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First National Bank of Pa in Pennsylvania

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

LEI N8T7HW55LK5D2ORCKP39
Reporting agency Consumer Financial Protection Bureau
State Pennsylvania

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 Pennsylvania covers 8,640 applications, 4,945 of them originated, worth $968m.

Its denial rate in the state was 35.5%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 30.4%.

The median rate spread on its Pennsylvania originations was 0.1 percentage points (state median 0.3).

Applications in the state were about level with 2023.

8,640applications in PA, 202441.2% of the lender's total
4,945loans originated$968m
35.5%denial ratePA all lenders 24.2%
0.1 ppmedian rate spreadPA 0.3 pp

Compared with the state and the lender's national record

MeasureIn PennsylvaniaPennsylvania, all lendersFirst National Bank of Pa, all statesUnited States
Denial rate35.5%24.2%30.4%24.3%
Median rate spread, pp0.10.30.10.3
Originations with spread of 1.5 pp or more2.9%14.1%1.9%15.6%
Average originated loan$196k$226k$318k$329k
Home purchase share32.9%48.7%44.5%57.0%
FHA-insured share1.5%9.8%1.1%13.4%
VA-guaranteed share0.7%4.0%0.6%7.9%

Trend by year

ApplicationsOriginations

05298.510,5972022: 10,597 Applications2023: 8,296 Applications2024: 8,640 Applications2022: 6,812 Originations2023: 4,914 Originations2024: 4,945 Originations202220232024
First National Bank of Pa in Pennsylvania: applications and originations, 2022–2024

This lender in statePennsylvania, all lenders

0%17.8%35.5%2022: 27.5% This lender in state2023: 33.5% This lender in state2024: 35.5% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Pennsylvania

By purpose

Home purchase 33% (1,628)Home improvement 32% (1,591)Refinancing 23% (1,137)Cash-out refinancing 1% (34)Other purpose 11% (555)

By type

Conventional 97% (4,821)FHA 2% (76)VA 1% (36)USDA 0% (12)

Denial reasons as coded

Credit history53.2%
Collateral21.6%
Debt-to-income ratio18.2%
Other5.4%
Employment history0.6%
Unverifiable information0.4%
Credit application incomplete0.4%
Insufficient cash (downpayment, closing costs)0.3%
Mortgage insurance denied0%

Share of 2,755 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).

Counties in Pennsylvania

CountyApplicationsOriginationsAmountDenial rate
Allegheny County1,609946$207m32.8%
Westmoreland County566355$47m31.0%
Cambria County476257$25m39.1%
Mercer County377241$30m29.8%
Somerset County413188$24m42.5%
Dauphin County323183$46m34.8%
Cumberland County261180$56m23.7%
Butler County274170$45m28.5%
Erie County255169$25m27.4%
Berks County325148$21m50.3%
York County273144$30m40.6%
Fayette County223124$11m40.4%
Blair County236120$14m41.1%
Centre County211119$20m36.8%
Lawrence County196112$12m37.3%
Lancaster County196111$32m34.9%
Beaver County179101$15m36.3%
Lebanon County14180$21m37.5%
Washington County13878$18m35.0%
Luzerne County12375$11m36.4%
Crawford County11968$9.4m36.4%
Lackawanna County12464$10m41.4%
Indiana County10063$6.1m30.8%
Montgomery County9061$37m24.7%
Chester County7660$40m12.9%
Mifflin County11959$5.5m45.5%
Huntingdon County10350$5.7m41.1%
Northumberland County8948$4.8m41.5%
Bedford County7947$5.6m34.7%
Armstrong County8337$4.2m51.9%
Bucks County4335$29m10.3%
Venango County6034$2.8m37.0%
Clinton County7733$3.2m50.0%
Philadelphia County4131$17m6.1%
Lycoming County5630$4.2m37.5%
Snyder County4928$2.8m36.4%
Wyoming County4428$2.6m34.9%
Clearfield County4926$3.0m42.2%
Greene County4726$2.6m36.6%
Susquehanna County5823$3.4m54.0%

Counties with at least 25 applications, by originations.

Questions and answers

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

4,945 loans totalling $968m, from 8,640 applications reported for properties in Pennsylvania.

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

35.5% of decided applications in Pennsylvania were denied, against 24.2% 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 Pennsylvania counties does First National Bank of Pa lend in most?

By originations: Allegheny County (946), Westmoreland County (355), Cambria County (257), Mercer County (241), Somerset County (188).

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