First National Bank of Pennsylvania in North Carolina vs the state
20.8%Denial rate+2.71 pts vs state
22.8%Decision denial rate-0.01 pts vs state
69.9%Origination rate+12.07 pts vs state
6.38%Median rate-0.13 pts vs state
-0.20Rate spread (pts)-0.29 pts vs state
$121kMedian applicant income
5,046Loans originated
1,500Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,891 | 3,157 | 25.8% | 6.63% | #21 |
| 2024 | 5,258 | 3,484 | 24.7% | 6.88% | #18 |
| 2025 | 7,221 | 5,046 | 20.8% | 6.38% | #16 |
What First National Bank of Pennsylvania lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most First National Bank of Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 1,382 | 1,117 | 174 | 12.6% |
| Wake County | 772 | 527 | 171 | 22.2% |
| Brunswick County | 400 | 300 | 60 | 15.0% |
| Forsyth County | 396 | 305 | 61 | 15.4% |
| Davidson County | 393 | 256 | 97 | 24.7% |
| Guilford County | 369 | 266 | 57 | 15.4% |
| Union County | 259 | 182 | 55 | 21.2% |
| New Hanover County | 197 | 135 | 48 | 24.4% |
| Gaston County | 184 | 129 | 35 | 19.0% |
| Durham County | 175 | 118 | 39 | 22.3% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 7,221 applications in 2025, of which 5,046 were originated and 1,500 denied.
20.8% of all applications, or 22.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans First National Bank of Pennsylvania originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of Pennsylvania's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology