First Commonwealth Bank mortgage approval rate & lending review
First Commonwealth Bank decided 11,615 mortgage applications and funded 8,168 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Commonwealth Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Commonwealth Bank at a glance
Approval is 1.0 points above the 74.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 3,002 / 3,208 | 94% | $185K | 2,822 |
| Home improvement loans | 66% | 2,723 / 4,145 | 92% | $55K | 2,514 |
| Cash-out refinance | 81% | 63 / 78 | 89% | $175K | 56 |
| Refinance | 73% | 2,602 / 3,570 | 92% | $105K | 2,397 |
| Investment property purchase | 83% | 319 / 383 | 96% | $105K | 305 |
| Investment refinance | 42% | 42 / 100 | 95% | $115K | 40 |
| Investment home improvement | 21% | 24 / 114 | 88% | $125K | 21 |
First Commonwealth Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 73% | $105K | 7,554 | 5,113 |
| Ohio | 81% | $105K | 3,957 | 2,968 |
| Florida | 88% | $305K | 33 | 27 |
| Kentucky | 76% | $85K | 33 | 24 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Commonwealth Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allegheny County, PA | Home improvement loans | 63% | 1,013 | 569 |
| Allegheny County, PA | Refinance | 69% | 899 | 568 |
| Allegheny County, PA | Mortgage lenders | 92% | 550 | 474 |
| Westmoreland County, PA | Home improvement loans | 70% | 668 | 437 |
| Stark County, OH | Refinance | 79% | 509 | 362 |
| Westmoreland County, PA | Refinance | 76% | 467 | 342 |
| Cambria County, PA | Mortgage lenders | 94% | 361 | 328 |
| Westmoreland County, PA | Mortgage lenders | 91% | 306 | 263 |
| Stark County, OH | Home improvement loans | 70% | 386 | 249 |
| Summit County, OH | Mortgage lenders | 97% | 204 | 191 |
| Franklin County, OH | Mortgage lenders | 87% | 238 | 188 |
| Cambria County, PA | Home improvement loans | 60% | 335 | 185 |
The county markets where First Commonwealth Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Commonwealth Bank
What is First Commonwealth Bank's mortgage approval rate?
First Commonwealth Bank approved 75.7% of the 11,615 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points above the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan First Commonwealth Bank offers?
Borrowers accepted 93% of the loans First Commonwealth Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Commonwealth Bank make?
The typical home improvement loan loan First Commonwealth Bank made was $55K; across all loan types its typical loan ran from $55K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Commonwealth Bank lend?
First Commonwealth Bank decided applications in 16 of the states Fat Boy Data covers, most of them in Pennsylvania, Ohio and Florida.
Can I apply to First Commonwealth Bank directly?
Yes. First Commonwealth Bank is a bank or credit union with 128 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Commonwealth Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Commonwealth Bank treats applications, then get a rate quote from the lender.