InFirst Bank mortgage approval rate & lending review
InFirst Bank decided 581 mortgage applications and funded 501 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions InFirst Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
InFirst Bank at a glance
Approval is 8.7 points above the 79.0% 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 | 85% | 64 / 75 | 95% | $165K | 61 |
| Home improvement loans | 84% | 51 / 61 | 96% | $65K | 49 |
| Refinance | 67% | 34 / 51 | 97% | $105K | 33 |
| Investment property purchase | 92% | 242 / 264 | 99% | $115K | 239 |
| Investment refinance | 89% | 62 / 70 | 100% | $115K | 62 |
| Investment home improvement | 95% | 57 / 60 | 100% | $85K | 57 |
InFirst Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 88% | $115K | 578 | 498 |
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 InFirst Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Westmoreland County, PA | Investment property purchase | 91% | 125 | 113 |
| Cambria County, PA | Investment property purchase | 97% | 58 | 54 |
| Allegheny County, PA | Investment property purchase | 93% | 45 | 42 |
| Cambria County, PA | Mortgage lenders | 82% | 33 | 24 |
| Westmoreland County, PA | Home improvement loans | 88% | 24 | 21 |
| Allegheny County, PA | Investment refinance | 76% | 21 | 16 |
| Cambria County, PA | Refinance | 71% | 21 | 14 |
| Westmoreland County, PA | Refinance | 55% | 20 | 11 |
The county markets where InFirst Bank made the most loans. Each link opens that market with every lender ranked.
Questions about InFirst Bank
What is InFirst Bank's mortgage approval rate?
InFirst Bank approved 87.8% of the 581 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 79.0% national rate for the same mix of loan types.
How often do borrowers take the loan InFirst Bank offers?
Borrowers accepted 98% of the loans InFirst Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does InFirst Bank make?
The typical investment property mortgage loan InFirst Bank made was $115K; across all loan types its typical loan ran from $65K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does InFirst Bank lend?
InFirst Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Pennsylvania, North Carolina and South Carolina.
Can I apply to InFirst Bank directly?
Yes. InFirst Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show InFirst 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 InFirst Bank treats applications, then get a rate quote from the lender.