First National Bank of Pennsylvania mortgage approval rate & lending review
First National Bank of Pennsylvania decided 41,182 mortgage applications and funded 30,484 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First National Bank of Pennsylvania reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First National Bank of Pennsylvania at a glance
Approval is 1.9 points below the 76.5% 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 | 88% | 14,081 / 15,920 | 100% | $335K | 14,025 |
| Home improvement loans | 64% | 8,498 / 13,216 | 99% | $85K | 8,414 |
| Cash-out refinance | 83% | 181 / 219 | 98% | $195K | 178 |
| Refinance | 67% | 6,351 / 9,478 | 99% | $155K | 6,265 |
| Investment property purchase | 82% | 1,248 / 1,531 | 100% | $275K | 1,243 |
| Investment cash-out refinance | 66% | 50 / 76 | 100% | $185K | 50 |
| Investment refinance | 48% | 183 / 385 | 99% | $205K | 182 |
| Investment home improvement | 36% | 128 / 357 | 99% | $105K | 127 |
First National Bank of Pennsylvania lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 71% | $115K | 16,252 | 11,353 |
| North Carolina | 78% | $335K | 10,802 | 8,407 |
| Maryland | 70% | $275K | 4,575 | 3,183 |
| Ohio | 76% | $155K | 4,232 | 3,187 |
| Virginia | 81% | $565K | 2,003 | 1,611 |
| South Carolina | 84% | $555K | 1,662 | 1,389 |
| Florida | 88% | $745K | 578 | 510 |
| District of Columbia | 74% | $715K | 310 | 228 |
| Delaware | 81% | $505K | 174 | 141 |
| Georgia | 81% | $655K | 161 | 130 |
| West Virginia | 85% | $285K | 144 | 122 |
| New Jersey | 72% | $695K | 118 | 85 |
| Tennessee | 89% | $455K | 98 | 87 |
| New York | 70% | $605K | 61 | 42 |
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 National Bank of Pennsylvania lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mecklenburg County, NC | Mortgage lenders | 89% | 1,401 | 1,244 |
| Allegheny County, PA | Home improvement loans | 66% | 1,685 | 1,094 |
| Allegheny County, PA | Mortgage lenders | 88% | 967 | 848 |
| Allegheny County, PA | Refinance | 67% | 1,099 | 725 |
| Cuyahoga County, OH | Mortgage lenders | 87% | 676 | 583 |
| Wake County, NC | Home improvement loans | 72% | 715 | 506 |
| Forsyth County, NC | Mortgage lenders | 91% | 519 | 471 |
| Wake County, NC | Mortgage lenders | 91% | 435 | 396 |
| Westmoreland County, PA | Home improvement loans | 72% | 520 | 369 |
| Westmoreland County, PA | Refinance | 74% | 477 | 346 |
| Brunswick County, NC | Mortgage lenders | 95% | 362 | 342 |
| Wake County, NC | Refinance | 68% | 496 | 334 |
The county markets where First National Bank of Pennsylvania made the most loans. Each link opens that market with every lender ranked.
Questions about First National Bank of Pennsylvania
What is First National Bank of Pennsylvania's mortgage approval rate?
First National Bank of Pennsylvania approved 74.6% of the 41,182 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.9 points below the 76.5% national rate for the same mix of loan types.
How often do borrowers take the loan First National Bank of Pennsylvania offers?
Borrowers accepted 99% of the loans First National Bank of Pennsylvania approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First National Bank of Pennsylvania make?
The typical home purchase mortgage loan First National Bank of Pennsylvania made was $335K; across all loan types its typical loan ran from $85K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First National Bank of Pennsylvania lend?
First National Bank of Pennsylvania decided applications in 19 of the states Fat Boy Data covers, most of them in Pennsylvania, North Carolina and Maryland.
Can I apply to First National Bank of Pennsylvania directly?
Yes. First National Bank of Pennsylvania is a bank or credit union with 361 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First National Bank of Pennsylvania'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 National Bank of Pennsylvania treats applications, then get a rate quote from the lender.