Lenders › First Commonwealth Bank › Pennsylvania
First Commonwealth Bank in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania 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.
In Pennsylvania, First Commonwealth Bank reported 4,371 applications and 2,463 originations for 2024, $311m in all.
Its denial rate in the state was 32.0%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 29.6%.
The median rate spread on its Pennsylvania originations was -0.4 percentage points (state median 0.3).
Applications in the state were down 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | First Commonwealth Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 32.0% | 24.2% | 29.6% | 24.3% |
| Median rate spread, pp | -0.4 | 0.3 | -0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.1% | 14.1% | 6.2% | 15.6% |
| Average originated loan | $126k | $226k | $177k | $329k |
| Home purchase share | 30.2% | 48.7% | 34.0% | 57.0% |
| FHA-insured share | 2.9% | 9.8% | 2.8% | 13.4% |
| VA-guaranteed share | 0.5% | 4.0% | 0.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 30% (743)Home improvement 28% (694)Refinancing 24% (584)Cash-out refinancing 1% (18)Other purpose 17% (424)
By type
Conventional 96% (2,359)FHA 3% (71)VA 1% (13)USDA 1% (20)
Denial reasons as coded
Share of 1,248 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Allegheny County | 1,109 | 603 | $90m | 33.0% |
| Westmoreland County | 579 | 343 | $41m | 31.3% |
| Cambria County | 415 | 246 | $25m | 30.2% |
| Blair County | 250 | 156 | $15m | 28.3% |
| Butler County | 194 | 116 | $20m | 26.6% |
| Indiana County | 196 | 98 | $10.0m | 36.5% |
| Lycoming County | 142 | 90 | $9.4m | 23.6% |
| Lawrence County | 162 | 88 | $9.3m | 34.9% |
| Somerset County | 162 | 85 | $6.9m | 38.5% |
| Elk County | 138 | 76 | $6.4m | 34.4% |
| Clearfield County | 138 | 70 | $8.1m | 35.3% |
| Bedford County | 111 | 61 | $4.9m | 29.6% |
| Washington County | 103 | 58 | $9.3m | 29.0% |
| Jefferson County | 109 | 56 | $4.2m | 36.5% |
| Armstrong County | 85 | 48 | $4.9m | 31.6% |
| Beaver County | 86 | 45 | $5.9m | 32.9% |
| Clinton County | 48 | 25 | $1.9m | 42.2% |
| Centre County | 36 | 24 | $3.2m | 22.9% |
| Fayette County | 36 | 23 | $3.8m | 32.4% |
| Dauphin County | 35 | 23 | $5.5m | 34.3% |
| Mercer County | 34 | 18 | $2.8m | 24.0% |
| Northumberland County | 32 | 18 | $2.0m | 28.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Commonwealth Bank originate in Pennsylvania in 2024?
2,463 loans totalling $311m, from 4,371 applications reported for properties in Pennsylvania.
What is First Commonwealth Bank's denial rate in Pennsylvania?
32.0% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 29.6% 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 Commonwealth Bank lend in most?
By originations: Allegheny County (603), Westmoreland County (343), Cambria County (246), Blair County (156), Butler County (116).
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.