Lender in Pennsylvania · HMDA 2025
First National Bank of Pennsylvania mortgages in Pennsylvania
First National Bank of Pennsylvania's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
First National Bank of Pennsylvania originated 2,081 owner-occupied single-family loans in Pennsylvania from 2,574 completed applications, making it the state's #11 lender by volume.
Its median conventional purchase loan costs were $5,650 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
2,081
of 2,574 applications
Denial rate
10.4%
Purchase · PA 6.7%
Rate spread
+0.13 pts
Conv. · PA +0.17 pts
Loan amount
$295,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,741 | 1,555 | 10.4% | 6.500% | +0.13 pts | $5,650 | $295,000 |
| Refinance | 796 | 497 | 35.7% | 6.250% | +0.08 pts | $0 | $115,000 |
| Cash-out refinance | 37 | 29 | 21.6% | 6.625% | +0.23 pts | $5,320 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where First National Bank of Pennsylvania ranks in the top 25
Showing the 30 counties where it ranks highest, of 43.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Somerset County | 2 | 63 | 9.9% |
| Northumberland County | 2 | 29 | 4.3% |
| Mercer County | 4 | 80 | 7.8% |
| Union County | 4 | 14 | 4.6% |
| Cambria County | 5 | 82 | 7.3% |
| Bedford County | 5 | 18 | 4.3% |
| Mifflin County | 5 | 16 | 4.3% |
| Snyder County | 5 | 14 | 5.5% |
| Lawrence County | 6 | 40 | 4.5% |
| Allegheny County | 7 | 409 | 3.1% |
| Butler County | 7 | 80 | 3.0% |
| Blair County | 7 | 46 | 4.0% |
| Centre County | 7 | 44 | 3.6% |
| Greene County | 7 | 10 | 4.0% |
| Montour County | 7 | 7 | 3.7% |
| Cumberland County | 8 | 110 | 3.3% |
| Lebanon County | 9 | 46 | 2.8% |
| Armstrong County | 9 | 14 | 2.8% |
| Venango County | 9 | 14 | 3.6% |
| Huntingdon County | 9 | 9 | 3.0% |
| Dauphin County | 10 | 80 | 2.5% |
| Fayette County | 10 | 25 | 2.5% |
| Jefferson County | 10 | 10 | 3.1% |
| Indiana County | 11 | 20 | 3.4% |
| Wyoming County | 11 | 6 | 2.9% |
| Lackawanna County | 12 | 41 | 2.1% |
| Susquehanna County | 12 | 8 | 2.4% |
| Westmoreland County | 13 | 102 | 2.6% |
| Erie County | 13 | 57 | 2.3% |
| Beaver County | 13 | 40 | 2.0% |
- First National Bank of Pennsylvania nationwide
- Pennsylvania mortgage market
- First National Bank of Pennsylvania in North Carolina
- First National Bank of Pennsylvania in Maryland
- First National Bank of Pennsylvania in Ohio
- First National Bank of Pennsylvania in Virginia
- First National Bank of Pennsylvania in South Carolina
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology