First Northern Bank and Trust in Pennsylvania vs the state
15.3%Denial rate-2.98 pts vs state
17.1%Decision denial rate-5.16 pts vs state
71.9%Origination rate+10.98 pts vs state
—Median rate
—Rate spread (pts)
$76kMedian applicant income
141Loans originated
30Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 192 | 135 | 17.7% | — | #274 |
| 2024 | 190 | 131 | 14.7% | — | #276 |
| 2025 | 196 | 141 | 15.3% | — | #277 |
What First Northern Bank and Trust lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most First Northern Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 75 | 52 | 16 | 21.3% |
| Northampton County | 52 | 35 | 8 | 15.4% |
| Carbon County | 44 | 33 | 5 | 11.4% |
| Lehigh County | 18 | 14 | 1 | 5.6% |
| Luzerne County | 2 | 2 | 0 | 0.0% |
| Schuylkill County | 2 | 2 | 0 | 0.0% |
| Northumberland County | 1 | 1 | 0 | 0.0% |
| Lackawanna County | 1 | 1 | 0 | 0.0% |
| Berks County | 1 | 1 | 0 | 0.0% |
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% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| 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% |
Frequently asked questions
Pennsylvania: 196 applications in 2025, of which 141 were originated and 30 denied.
15.3% of all applications, or 17.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Northern Bank and Trust'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