First National Bank of Pennsylvania in Pennsylvania vs the state
27.8%Denial rate+9.46 pts vs state
31.1%Decision denial rate+8.85 pts vs state
61.0%Origination rate+0.02 pts vs state
6.49%Median rate-0.13 pts vs state
-0.05Rate spread (pts)-0.29 pts vs state
$96kMedian applicant income
5,819Loans originated
2,648Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,296 | 4,914 | 30.2% | 6.57% | #9 |
| 2024 | 8,640 | 4,945 | 31.9% | 6.99% | #9 |
| 2025 | 9,542 | 5,819 | 27.8% | 6.49% | #7 |
What First National Bank of Pennsylvania lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most First National Bank of Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 1,923 | 1,232 | 466 | 24.2% |
| Westmoreland County | 624 | 423 | 155 | 24.8% |
| Cambria County | 484 | 271 | 141 | 29.1% |
| Mercer County | 441 | 281 | 124 | 28.1% |
| Somerset County | 362 | 171 | 108 | 29.8% |
| Butler County | 326 | 231 | 67 | 20.6% |
| Berks County | 317 | 163 | 123 | 38.8% |
| York County | 297 | 162 | 91 | 30.6% |
| Dauphin County | 285 | 171 | 86 | 30.2% |
| Cumberland County | 282 | 222 | 42 | 14.9% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 9,542 applications in 2025, of which 5,819 were originated and 2,648 denied.
27.8% of all applications, or 31.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans First National Bank of Pennsylvania originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of Pennsylvania's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology