Lenders › First National Bank of Pa › Maryland
First National Bank of Pa in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
First National Bank of Pa's 2024 HMDA record for Maryland covers 2,436 applications, 1,393 of them originated, worth $519m.
Its denial rate in the state was 34.6%, above the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 30.4%.
The median rate spread on its Maryland originations was -0.1 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | First National Bank of Pa, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.6% | 24.9% | 30.4% | 24.3% |
| Median rate spread, pp | -0.1 | 0.3 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.0% | 17.7% | 1.9% | 15.6% |
| Average originated loan | $372k | $348k | $318k | $329k |
| Home purchase share | 39.7% | 56.2% | 44.5% | 57.0% |
| FHA-insured share | 0.6% | 14.6% | 1.1% | 13.4% |
| VA-guaranteed share | 0.5% | 10.0% | 0.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 40% (553)Home improvement 30% (418)Refinancing 21% (298)Cash-out refinancing 1% (10)Other purpose 8% (114)
By type
Conventional 99% (1,377)FHA 1% (9)VA 1% (7)
Denial reasons as coded
Share of 742 denials in Maryland by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Baltimore County | 642 | 342 | $94m | 39.6% |
| Montgomery County | 354 | 214 | $106m | 28.2% |
| Harford County | 347 | 204 | $61m | 32.2% |
| Anne Arundel County | 257 | 159 | $63m | 32.1% |
| Howard County | 204 | 138 | $81m | 21.6% |
| Baltimore city | 184 | 91 | $27m | 43.9% |
| Prince George's County | 130 | 79 | $29m | 27.3% |
| Carroll County | 77 | 47 | $18m | 32.4% |
| Frederick County | 61 | 37 | $16m | 34.5% |
| Queen Anne's County | 44 | 20 | $4.2m | 48.7% |
| Cecil County | 43 | 11 | $1.9m | 67.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First National Bank of Pa originate in Maryland in 2024?
1,393 loans totalling $519m, from 2,436 applications reported for properties in Maryland.
What is First National Bank of Pa's denial rate in Maryland?
34.6% of decided applications in Maryland were denied, against 24.9% for all lenders in the state and 30.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Maryland counties does First National Bank of Pa lend in most?
By originations: Baltimore County (342), Montgomery County (214), Harford County (204), Anne Arundel County (159), Howard County (138).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Maryland. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.