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Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

First National Bank of Pennsylvania: 2025 mortgage rates, costs & approvals

How First National Bank of Pennsylvania priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: First National Bank of Pennsylvania · LEI N8T7HW55LK5D2ORCKP39

In 2025, First National Bank of Pennsylvania originated 6,568 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 16 states — 95th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,860, 5% higher than the national median ($5,570).

It denied 10.7% of completed home-purchase applications (all lenders: 8.5%).

Loans
6,568
of 7,736 applications
Denial rate
10.7%
Purchase · all 8.5%
30-yr fixed rate
6.50%
Conv. · all 6.625%
Loan costs
$5,860
Conv. · all $5,570
Loan amount
$395,000
Purchase · all $335,000
Borrower income
$150,000
Purchase · all $116,000

How First National Bank of Pennsylvania priced home-purchase loans

Purchase loans, 2025First National Bank of PennsylvaniaAll lenders
30-year fixed rate · conventional6.500%6.625%
30-year fixed rate · FHA6.250%6.250%
30-year fixed rate · VA6.125%6.125%
15-year fixed rate · conventional5.875%5.875%
Rate spread vs. APOR · conventional+0.11 pts+0.13 pts
Total loan costs · conventional$5,860$5,570
Total loan costs · FHA$9,290$11,310
Total loan costs · VA$4,820$6,490
Origination charges (all types)$1,500$1,860
Borrowers paying discount points41.3%51.3%
Points paid, when paid (% of loan)0.62%0.87%
Borrowers receiving lender credits32.7%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 96.9% 6,365
FHA 1.6% 105
VA 1.2% 79
USDA 0.3% 19

By purpose

Home purchase 84.0% 5,515
Refinance 14.9% 976
Cash-out refinance 1.2% 77
Home value
$465,000
Median, purchase loans
Down payment
6.9%
All lenders 10%
Refi rate
6.25%
30-yr fixed, conventional
Refi denial rate
31.5%
Cash-out 18.1%

Why First National Bank of Pennsylvania denied purchase applications

Other 51.1% 338
Debt-to-income ratio 14.8% 98
Collateral (appraisal/property) 12.6% 83
Credit history 9.1% 60
Employment history 5.4% 36
Unverifiable information 3.5% 23
Credit application incomplete 1.8% 12
Insufficient cash (down payment/closing costs) 1.7% 11

First reason the lender reported for each denied home-purchase application.

Where First National Bank of Pennsylvania lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
North Carolina2,1482,4619.7%6.375%$6,300
Pennsylvania2,0812,57410.4%6.500%$5,650
Maryland69683614.9%6.625%$6,570
Ohio59569711.5%6.625%$4,800
Virginia3904319.4%6.500%$5,360
South Carolina3373718.8%6.490%$5,200
Florida1641788.1%6.625%$7,510
District of Columbia546314.3%6.625%$7,200
West Virginia283512.0%—$4,350
Delaware27297.7%—$7,470
New Jersey1624———
Georgia1415———
Tennessee78———
New York69———
Kentucky44———
Indiana11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open First National Bank of Pennsylvania's page for that state.

Counties where First National Bank of Pennsylvania is a top lender

Check First National Bank of Pennsylvania yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology