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First National Bank of Pa in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI N8T7HW55LK5D2ORCKP39
Reporting agency Consumer Financial Protection Bureau
State North Carolina

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 North Carolina covers 5,258 applications, 3,484 of them originated, worth $1.3bn.

Its denial rate in the state was 27.0%, above the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 30.4%.

The median rate spread on its North Carolina originations was 0.0 percentage points (state median 0.2).

Applications in the state were up 8% on 2023.

5,258applications in NC, 202425.1% of the lender's total
3,484loans originated$1.3bn
27.0%denial rateNC all lenders 24.0%
0.0 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersFirst National Bank of Pa, all statesUnited States
Denial rate27.0%24.0%30.4%24.3%
Median rate spread, pp0.00.20.10.3
Originations with spread of 1.5 pp or more1.7%11.8%1.9%15.6%
Average originated loan$368k$299k$318k$329k
Home purchase share46.8%56.3%44.5%57.0%
FHA-insured share1.0%11.8%1.1%13.4%
VA-guaranteed share0.5%11.8%0.6%7.9%

Trend by year

ApplicationsOriginations

02823.55,6472022: 5,647 Applications2023: 4,891 Applications2024: 5,258 Applications2022: 3,904 Originations2023: 3,157 Originations2024: 3,484 Originations202220232024
First National Bank of Pa in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%14.2%28.4%2022: 22.9% This lender in state2023: 28.4% This lender in state2024: 27% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 47% (1,630)Home improvement 24% (833)Refinancing 17% (605)Cash-out refinancing 1% (28)Other purpose 11% (388)

By type

Conventional 98% (3,429)FHA 1% (34)VA 1% (18)USDA 0% (3)

Denial reasons as coded

Credit history42.4%
Debt-to-income ratio27.3%
Collateral20.9%
Other7.6%
Employment history0.8%
Credit application incomplete0.4%
Unverifiable information0.3%
Insufficient cash (downpayment, closing costs)0.2%
Mortgage insurance denied0%

Share of 1,299 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Mecklenburg County634468$228m19.2%
Wake County619422$175m24.5%
Brunswick County379280$112m19.1%
Davidson County335227$69m27.2%
Forsyth County249193$71m17.2%
New Hanover County204146$62m21.7%
Guilford County214138$46m25.8%
Union County16996$38m37.3%
Durham County13086$34m23.0%
Iredell County13481$27m33.9%
Orange County9375$39m13.6%
Alamance County9771$20m20.0%
Craven County10660$12m36.8%
Dare County10159$25m33.7%
Cabarrus County8855$20m31.3%
Johnston County7152$12m23.5%
Wilkes County9451$7.0m42.7%
Rockingham County10250$7.7m41.4%
Moore County7440$9.9m37.5%
Gaston County5740$13m25.9%
Rowan County5939$12m29.1%
Granville County6338$9.0m32.1%
Ashe County5337$6.1m24.5%
Carteret County5037$18m17.4%
Stokes County4937$12m21.3%
Chatham County5435$20m29.4%
Surry County4534$8.3m24.4%
Pender County4731$10m29.5%
Pitt County7330$5.2m53.1%
Franklin County5129$6.0m40.8%
Beaufort County4629$5.1m30.2%
Catawba County3528$13m12.5%
Randolph County5926$5.3m48.0%
Yadkin County4726$6.6m38.1%
Watauga County4326$13m29.7%
Currituck County3220$11m25.9%
Lee County2619$4.9m26.9%
Onslow County3518$6.2m45.5%
Cumberland County3417$4.0m45.2%
Buncombe County3017$9.4m34.6%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did First National Bank of Pa originate in North Carolina in 2024?

3,484 loans totalling $1.3bn, from 5,258 applications reported for properties in North Carolina.

What is First National Bank of Pa's denial rate in North Carolina?

27.0% of decided applications in North Carolina were denied, against 24.0% 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 North Carolina counties does First National Bank of Pa lend in most?

By originations: Mecklenburg County (468), Wake County (422), Brunswick County (280), Davidson County (227), Forsyth County (193).

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 North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.