First National Bank Of Pennsylvania Mortgage Rates, Fees & Info

Greenville, PA

LEI: N8T7HW55LK5D2ORCKP39

Tax ID: 25-1255405

5 stars - Updated: 2/19/24 - out of 5 stars, based on 124 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

First National Bank Of Pennsylvania is a mid-sized bank specializing in Refi and Home Purchase loans. First National Bank Of Pennsylvania has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Pittsburgh, Washington, Baltimore, Raleigh, and Charlotte among others. We have data for 174 markets. (Some data included below & more in-depth data is available with an active subscription.)

First National Bank Of Pennsylvania has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. First National Bank Of Pennsylvania is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 4.96% 2/19/24
30 Year Conventional Purchase 6.14% 2/19/24
30 Year Conventional Refi 6.22% 2/19/24
30 Year Cash-out Refi 6.56% 2/19/24
30 Year FHA Purchase 7.07% 2/19/24
30 Year VA Purchase 6.23% 2/19/24
30 Year USDA Purchase 6.77% 2/19/24
15 Year Conventional Purchase 5.67% 2/19/24
15 Year Conventional Refi 5.17% 2/19/24
15 Year Cash-out Refi 5.17% 2/19/24
15 Year FHA Refi 5.68% 2/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

First National Bank Of Pennsylvania Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from First National Bank Of Pennsylvania. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

15,267

Origination Dollar Volume (All Markets)

$4,213,875,000
Show all (55) awards

Relative Rate

First National Bank Of Pennsylvania's average 30 year fixed mortgage rate was 4.48%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.28%.

Relative Fees (Closing Costs)

First National Bank Of Pennsylvania's average total fees/closing costs for a 30 year fixed rate mortgage were $5,529.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PITTSBURGH, PA (FHA|USDA|VA) 2,407 $414,785,000 $172,324 $1,879 4.05%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 720 $331,250,000 $460,069 $5,661 3.92%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1,116 $330,900,000 $296,505 $3,505 4.05%
RALEIGH-CARY, NC (FHA|USDA|VA) 701 $283,015,000 $403,730 $2,720 3.90%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 676 $280,620,000 $415,118 $4,182 4.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 935 $206,275,000 $220,615 $2,712 4.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 231 $195,365,000 $845,736 $4,658 4.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 578 $193,030,000 $333,962 $2,749 4.12%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 576 $158,400,000 $275,000 $4,545 4.05%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 340 $145,810,000 $428,853 $4,300 4.10%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 227 $117,615,000 $518,128 $6,842 4.08%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 253 $110,965,000 $438,597 $5,184 4.20%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 678 $83,430,000 $123,053 $965 4.21%
WILMINGTON, NC (FHA|USDA|VA) 247 $82,145,000 $332,571 $3,352 3.97%
Outside of Metro Areas 430 $80,480,000 $187,163 $1,711 3.95%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 300 $64,450,000 $214,833 $2,093 4.01%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 66 $47,550,000 $720,455 $6,014 4.23%
AKRON, OH (FHA|USDA|VA) 239 $47,265,000 $197,762 $1,334 4.01%
STATE COLLEGE, PA (FHA|USDA|VA) 235 $42,555,000 $181,085 $2,530 4.09%
YORK-HANOVER, PA (FHA|USDA|VA) 221 $40,355,000 $182,602 $3,211 4.21%
SAVANNAH, GA (FHA|USDA|VA) 6 $39,980,000 $6,663,333 $4,969 4.24%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 225 $38,985,000 $173,267 $1,494 4.03%
LANCASTER, PA (FHA|USDA|VA) 159 $36,645,000 $230,472 $3,563 3.99%
READING, PA (FHA|USDA|VA) 204 $35,980,000 $176,373 $1,936 4.08%
NEW BERN, NC (FHA|USDA|VA) 8 $35,610,000 $4,451,250 $4,037 4.65%
ERIE, PA (FHA|USDA|VA) 225 $34,865,000 $154,956 $1,947 4.27%
JOHNSTOWN, PA (FHA|USDA|VA) 297 $32,415,000 $109,141 $1,112 4.15%
ALTOONA, PA (FHA|USDA|VA) 238 $30,670,000 $128,866 $920 3.76%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 30 $30,410,000 $1,013,667 $9,518 3.73%
SALISBURY, MD-DE (FHA|USDA|VA) 51 $25,195,000 $494,020 $6,343 4.30%
Morehead City, NC (FHA|USDA|VA) 42 $22,850,000 $544,048 $4,342 3.60%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 77 $22,555,000 $292,922 $3,295 4.11%
TOLEDO, OH (FHA|USDA|VA) 10 $22,500,000 $2,250,000 $4,015 3.81%
Boone, NC (FHA|USDA|VA) 68 $21,900,000 $322,059 $2,188 3.92%
New Castle, PA (FHA|USDA|VA) 183 $21,165,000 $115,656 $857 4.05%
ASHEVILLE, NC (FHA|USDA|VA) 53 $20,375,000 $384,434 $4,546 4.03%
Somerset, PA (FHA|USDA|VA) 174 $20,250,000 $116,379 $1,372 4.09%
Kill Devil Hills, NC (FHA|USDA|VA) 82 $19,410,000 $236,707 $1,449 3.67%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 25 $17,445,000 $697,800 $7,229 4.14%
RICHMOND, VA (FHA|USDA|VA) 33 $17,415,000 $527,727 $6,232 4.07%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 36 $15,840,000 $440,000 $5,221 4.22%
LEBANON, PA (FHA|USDA|VA) 87 $15,355,000 $176,494 $2,448 4.17%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 24 $14,580,000 $607,500 $5,828 4.06%
North Wilkesboro, NC (FHA|USDA|VA) 97 $14,395,000 $148,402 $1,111 3.80%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 42 $13,440,000 $320,000 $3,981 4.00%
Meadville, PA (FHA|USDA|VA) 120 $12,480,000 $104,000 $619 3.87%
Lewistown, PA (FHA|USDA|VA) 101 $11,715,000 $115,990 $898 4.09%
Huntingdon, PA (FHA|USDA|VA) 85 $9,775,000 $115,000 $1,191 3.82%
GREENVILLE, NC (FHA|USDA|VA) 54 $9,530,000 $176,481 $2,084 3.87%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 103 $8,895,000 $86,359 $881 4.07%
Sanford, NC (FHA|USDA|VA) 32 $8,760,000 $273,750 $3,571 3.69%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $8,355,000 $557,000 $5,726 4.14%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 24 $8,220,000 $342,500 $4,696 4.27%
COLUMBUS, OH (FHA|USDA|VA) 23 $8,205,000 $356,739 $4,361 3.73%
Mount Airy, NC (FHA|USDA|VA) 45 $8,205,000 $182,333 $2,315 3.63%
COLUMBIA, SC (FHA|USDA|VA) 19 $7,915,000 $416,579 $4,086 3.86%
BURLINGTON, NC (FHA|USDA|VA) 38 $7,850,000 $206,579 $2,379 4.45%
FAYETTEVILLE, NC (FHA|USDA|VA) 30 $7,770,000 $259,000 $3,551 4.19%
Lock Haven, PA (FHA|USDA|VA) 48 $7,360,000 $153,333 $1,220 4.21%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 27 $6,995,000 $259,074 $4,122 4.65%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 13 $6,995,000 $538,077 $4,109 3.67%
WILLIAMSPORT, PA (FHA|USDA|VA) 48 $6,830,000 $142,292 $1,190 3.83%
Selinsgrove, PA (FHA|USDA|VA) 49 $6,715,000 $137,041 $1,480 3.55%
Sunbury, PA (FHA|USDA|VA) 62 $6,590,000 $106,290 $1,222 4.32%
Lewisburg, PA (FHA|USDA|VA) 35 $6,315,000 $180,429 $4,265 4.16%
Indiana, PA (FHA|USDA|VA) 59 $6,225,000 $105,508 $1,104 4.01%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $6,080,000 $434,286 $3,897 4.26%
JACKSONVILLE, NC (FHA|USDA|VA) 16 $5,920,000 $370,000 $4,095 4.31%
Pottsville, PA (FHA|USDA|VA) 33 $5,765,000 $174,697 $3,119 4.45%
Oil City, PA (FHA|USDA|VA) 63 $5,595,000 $88,810 $1,047 4.38%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $5,075,000 $563,889 $4,498 3.94%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 9 $4,985,000 $553,889 $3,821 3.94%
MORGANTOWN, WV (FHA|USDA|VA) 15 $4,955,000 $330,333 $3,496 3.86%
DuBois, PA (FHA|USDA|VA) 35 $4,745,000 $135,571 $3,106 5.04%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $4,650,000 $775,000 $5,040 4.16%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $4,545,000 $649,286 $3,440 4.41%
ROANOKE, VA (FHA|USDA|VA) 6 $4,350,000 $725,000 $7,247 3.77%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 10 $4,080,000 $408,000 $3,791 3.71%
Washington, NC (FHA|USDA|VA) 26 $3,890,000 $149,615 $3,172 4.23%
Cullowhee, NC (FHA|USDA|VA) 5 $3,845,000 $769,000 $6,806 3.27%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 14 $3,800,000 $271,429 $4,239 4.23%
EAST STROUDSBURG, PA (FHA|USDA|VA) 18 $3,780,000 $210,000 $1,419 4.06%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $3,620,000 $603,333 $7,282 4.73%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $3,575,000 $510,714 $4,634 3.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 7 $3,115,000 $445,000 $4,503 3.91%
WINCHESTER, VA-WV (FHA|USDA|VA) 5 $2,945,000 $589,000 $7,090 4.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 15 $2,585,000 $172,333 $1,255 3.61%
Albemarle, NC (FHA|USDA|VA) 8 $2,570,000 $321,250 $6,238 4.49%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $2,390,000 $1,195,000 $5,558 3.68%
ROCKY MOUNT, NC (FHA|USDA|VA) 5 $2,375,000 $475,000 $6,130 3.82%
GETTYSBURG, PA (FHA|USDA|VA) 11 $2,325,000 $211,364 $4,970 4.50%
Ashtabula, OH (FHA|USDA|VA) 14 $2,320,000 $165,714 $1,643 4.78%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $2,260,000 $565,000 $4,703 5.03%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 8 $2,200,000 $275,000 $3,808 4.34%
Roanoke Rapids, NC (FHA|USDA|VA) 4 $2,180,000 $545,000 $3,292 3.18%
Easton, MD (FHA|USDA|VA) 6 $2,120,000 $353,333 $6,027 4.20%
Key West, FL (FHA|USDA|VA) 3 $1,915,000 $638,333 $6,671 4.08%
Sandusky, OH (FHA|USDA|VA) 9 $1,845,000 $205,000 $3,400 4.33%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,695,000 $339,000 $4,994 4.25%
Elizabeth City, NC (FHA|USDA|VA) 11 $1,685,000 $153,182 $1,879 4.09%
SPARTANBURG, SC (FHA|USDA|VA) 5 $1,615,000 $323,000 $2,997 4.73%
Gaffney, SC (FHA|USDA|VA) 5 $1,565,000 $313,000 $3,225 4.42%
DOVER, DE (FHA|USDA|VA) 4 $1,540,000 $385,000 $5,036 3.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $1,505,000 $301,000 $4,077 4.03%
Salem, OH (FHA|USDA|VA) 12 $1,490,000 $124,167 $787 3.81%
Georgetown, SC (FHA|USDA|VA) 3 $1,415,000 $471,667 $6,694 3.96%
BRUNSWICK, GA (FHA|USDA|VA) 2 $1,400,000 $700,000 $6,279 3.50%
CHARLESTON, WV (FHA|USDA|VA) 2 $1,390,000 $695,000 $6,096 3.31%
Forest City, NC (FHA|USDA|VA) 2 $1,300,000 $650,000 $6,441 3.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,498 4.75%
WHEELING, WV-OH (FHA|USDA|VA) 13 $1,205,000 $92,692 $0 4.36%
Wooster, OH (FHA|USDA|VA) 6 $1,110,000 $185,000 $2,012 3.80%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $1,090,000 $545,000 $5,759 2.81%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $1,065,000 $355,000 $4,247 4.79%
GAINESVILLE, FL (FHA|USDA|VA) 2 $1,040,000 $520,000 $4,574 4.69%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 5 $1,025,000 $205,000 $2,765 3.95%
Seneca, SC (FHA|USDA|VA) 3 $1,005,000 $335,000 $4,906 3.16%
Laurinburg, NC (FHA|USDA|VA) 2 $970,000 $485,000 $7,562 4.06%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $965,000 $965,000 $6,457 5.50%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $955,000 $955,000 $7,974 5.75%
Marion, NC (FHA|USDA|VA) 3 $895,000 $298,333 $4,046 5.16%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 4 $800,000 $200,000 $3,067 4.65%
LYNCHBURG, VA (FHA|USDA|VA) 2 $790,000 $395,000 $4,034 4.13%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $785,000 $785,000 $5,307 3.50%
OCALA, FL (FHA|USDA|VA) 2 $780,000 $390,000 $7,793 3.50%
Lumberton, NC (FHA|USDA|VA) 3 $775,000 $258,333 $6,233 4.17%
St. Marys, GA (FHA|USDA|VA) 1 $755,000 $755,000 $4,609 4.25%
Wilmington, OH (FHA|USDA|VA) 1 $695,000 $695,000 $14,342 3.25%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $680,000 $340,000 $4,134 4.75%
Warren, PA (FHA|USDA|VA) 5 $645,000 $129,000 $840 3.93%
FLORENCE, SC (FHA|USDA|VA) 2 $610,000 $305,000 $1,974 3.15%
Marietta, OH (FHA|USDA|VA) 1 $605,000 $605,000 $6,749 3.00%
Cambridge, MD (FHA|USDA|VA) 2 $550,000 $275,000 $6,787 4.62%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $535,000 $535,000 $5,679 4.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $525,000 $525,000 $5,751 4.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $500,000 $250,000 $3,845 3.43%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $500,000 $250,000 $3,459 4.25%
Orangeburg, SC (FHA|USDA|VA) 3 $495,000 $165,000 $0 2.66%
MANSFIELD, OH (FHA|USDA|VA) 2 $490,000 $245,000 $4,009 2.87%
CUMBERLAND, MD-WV (FHA|USDA|VA) 4 $480,000 $120,000 $1,360 4.49%
Shelby, NC (FHA|USDA|VA) 2 $480,000 $240,000 $0 4.36%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 3 $465,000 $155,000 $0 3.04%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $455,000 $455,000 $8,049 3.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $425,000 $425,000 $5,412 3.75%
Brevard, NC (FHA|USDA|VA) 1 $405,000 $405,000 $0 6.00%
OCEAN CITY, NJ (FHA|USDA|VA) 2 $400,000 $200,000 $2,388 3.98%
KINGSTON, NY (FHA|USDA|VA) 1 $355,000 $355,000 $3,696 4.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $345,000 $345,000 $3,495 3.50%
GAINESVILLE, GA (FHA|USDA|VA) 1 $315,000 $315,000 $3,663 4.25%
Greenwood, SC (FHA|USDA|VA) 2 $310,000 $155,000 $3,350 4.69%
Sayre, PA (FHA|USDA|VA) 2 $280,000 $140,000 $0 4.47%
Wilson, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,819 3.00%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $245,000 $245,000 $7,212 4.50%
Mount Vernon, OH (FHA|USDA|VA) 1 $225,000 $225,000 $3,194 4.13%
Danville, VA (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.49%
Bainbridge, GA (FHA|USDA|VA) 1 $225,000 $225,000 $4,081 3.63%
ROME, GA (FHA|USDA|VA) 1 $215,000 $215,000 $5,220 4.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $215,000 $215,000 $4,001 3.63%
Findlay, OH (FHA|USDA|VA) 1 $195,000 $195,000 $3,331 6.38%
St. Marys, PA (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.59%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $175,000 $175,000 $7,169 6.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,284 5.75%
Norwalk, OH (FHA|USDA|VA) 2 $170,000 $85,000 $1,500 5.23%
SUMTER, SC (FHA|USDA|VA) 2 $160,000 $80,000 $0 5.63%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $155,000 $155,000 $2,741 7.25%
BINGHAMTON, NY (FHA|USDA|VA) 1 $155,000 $155,000 $4,013 4.38%
Cambridge, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.34%
Palatka, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,888 8.13%
Ashland, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.74%
Kinston, NC (FHA|USDA|VA) 3 $135,000 $45,000 $0 4.21%
Corning, NY (FHA|USDA|VA) 1 $125,000 $125,000 $3,940 5.75%
Bradford, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.44%
Clarksburg, WV (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.44%
Americus, GA (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.50%
First National Bank Of Pennsylvania's top markets include Pittsburgh, Washington, Baltimore, Raleigh, and Charlotte among others.

Their top states include:
  • North Carolina (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against First National Bank of Pennsylvania based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 10,215 $3,371,015,000 $330,006 $2,846 4.08%
    HELOC 4,942 $817,060,000 $165,330 n/a 3.97%
    FHA 67 $12,785,000 $190,821 $7,480 4.95%
    VA 30 $10,810,000 $360,333 $10,539 4.86%
    USDA 13 $2,205,000 $169,615 $6,135 4.63%

    For 2022, First National Bank Of Pennsylvania's most frequently originated type of loan was Conventional, with 10,215 originations. Their 2nd most popular type was HELOC, with 4,942 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 5,124 $1,017,810,000 $198,636 $371 3.58%
    Home Purchase 4,498 $2,387,790,000 $530,856 $6,219 4.46%
    Home Improvement 3,911 $492,805,000 $126,005 $1 4.17%
    Other 1,470 $236,270,000 $160,728 $412 4.11%
    Cash Out Refi 264 $79,200,000 $300,000 $4,784 4.14%

    For 2022, First National Bank Of Pennsylvania's most frequently cited loan purpose was Refi, with 5,124 originations. The 2nd most popular reason was Home Purchase, with 4,498 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 5,415 $927,825,000 $171,343 $728 3.94%
    30 Year 3,585 $1,486,185,000 $414,556 $5,529 4.48%
    15 Year 2,440 $359,600,000 $147,377 $239 3.64%
    20 Year 1,662 $357,370,000 $215,024 $252 3.97%
    10 Year 1,102 $101,360,000 $91,978 $88 3.99%
    30+ year 945 $628,565,000 $665,148 $8,886 4.25%
    5 Year 117 $352,935,000 $3,016,538 $0 4.54%
    3 Year 1 $35,000 $35,000 $0 5.25%

    For 2022, First National Bank Of Pennsylvania's most frequently cited loan duration was Other, with 5,415 originations. The 2nd most popular length was 30 Year, with 3,585 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 6,069 $1,097,625,000 $180,858
    $1k-2k 1,946 $700,840,000 $360,144
    $3k-4k 714 $444,210,000 $622,143
    $5k+ 531 $383,565,000 $722,345
    $2k-3k 336 $167,330,000 $498,006
    $4k-5k 279 $146,775,000 $526,075

    First National Bank Of Pennsylvania's average total fees were $5,529, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,069 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,874 $1,109,780,000 $286,469
    4-5% 3,575 $1,061,795,000 $297,006
    2.5-3% 3,322 $809,150,000 $243,573
    5-6% 2,431 $679,265,000 $279,418
    <2.5% 1,077 $292,655,000 $271,732
    6-7% 870 $247,230,000 $284,172
    7-8% 106 $13,150,000 $124,057
    Over 8% 11 $785,000 $71,364

    During 2022, First National Bank Of Pennsylvania's average interest rate for loans was 4.48%, while their most frequently originated rate bucket for loans was 3-4%, with 3,874 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 4,686 $256,110,000 $54,654 $301 4.31%
    $100k-200k 4,259 $609,385,000 $143,082 $1,249 3.85%
    $200k-400k 3,358 $932,730,000 $277,764 $3,126 3.97%
    $400k-600k 1,386 $669,090,000 $482,749 $5,557 4.08%
    $600k-1MM 1,191 $897,345,000 $753,438 $7,548 3.99%
    $1MM+ 387 $849,215,000 $2,194,354 $10,239 3.91%

    2022 saw First National Bank Of Pennsylvania place emphasis on $100,000 or less loans with 4,686 originations, totaling $256,110,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3,202 $653,010,000 $203,938 $2,508 3.99%
    $150k-250k 3,073 $947,185,000 $308,228 $3,914 4.01%
    $250k+ 2,703 $1,422,015,000 $526,088 $5,444 3.85%
    $50k-75k 2,201 $266,045,000 $120,875 $1,749 4.21%
    $75k-100k 2,052 $299,490,000 $145,950 $1,973 4.09%
    $50k or less 1,357 $108,895,000 $80,247 $1,339 4.33%

    First National Bank Of Pennsylvania lent most frequently to those with incomes in the $100k-150k range, with 3,202 originations. The second most popular income band? $150k-250k, with 3,073 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,964 $911,170,000 $229,861 $2,311 3.91%
    30-36% 2,745 $707,035,000 $257,572 $3,045 4.08%
    <20% 2,390 $517,430,000 $216,498 $1,605 3.67%
    49% 594 $144,160,000 $242,694 $4,007 4.26%
    44% 587 $125,675,000 $214,097 $3,322 4.25%
    42% 532 $153,560,000 $288,647 $4,009 4.30%
    36% 490 $141,850,000 $289,490 $3,519 4.13%
    38% 459 $132,725,000 $289,161 $3,564 4.25%
    39% 455 $127,525,000 $280,275 $3,765 4.19%
    37% 443 $118,755,000 $268,070 $3,257 4.23%
    41% 432 $125,710,000 $290,995 $3,444 4.20%
    40% 413 $121,915,000 $295,194 $3,936 4.25%
    43% 363 $106,045,000 $292,135 $3,615 4.11%
    45% 288 $93,310,000 $323,993 $4,517 4.27%
    47% 257 $76,375,000 $297,179 $4,514 4.40%
    48% 247 $74,065,000 $299,858 $4,375 4.36%
    46% 226 $69,690,000 $308,363 $4,547 4.29%
    50-60% 119 $43,105,000 $362,227 $3,678 4.17%
    >60% 13 $4,635,000 $356,538 $4,177 4.02%

    First National Bank Of Pennsylvania lent most frequently to those with DTI ratios of 20-30%, with 3,964 originations. The next most common DTI ratio? 30-36%, with 2,745 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 12,304 $2,885,170,000 $234,490 $2,623 4.04%
    Not applicable 396 $463,680,000 $1,170,909 $103 4.26%
    Not provided 1,331 $407,915,000 $306,473 $4,075 4.08%
    Asian 649 $259,245,000 $399,453 $4,625 3.99%
    Black 409 $112,605,000 $275,318 $4,033 4.24%
    Asian Indian 90 $49,400,000 $548,889 $6,143 4.11%
    Other Asian 27 $15,015,000 $556,111 $6,758 3.86%
    American Indian 27 $7,765,000 $287,593 $4,090 4.47%
    Chinese 4 $3,340,000 $835,000 $8,205 3.53%
    Vietnamese 5 $2,855,000 $571,000 $6,058 4.73%
    Korean 6 $2,540,000 $423,333 $4,829 4.13%
    Native Hawaiian or Islander 11 $1,615,000 $146,818 $0 3.28%
    Filipino 4 $1,570,000 $392,500 $4,273 4.72%
    Japanese 2 $790,000 $395,000 $1,811 4.43%
    Samoan 1 $275,000 $275,000 $8,839 5.13%
    Other Pacific Islander 1 $95,000 $95,000 $0 2.79%

    Approval Rates

    Total approvals of all applications
    78.19%

    First National Bank Of Pennsylvania has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    91.62%

    First National Bank Of Pennsylvania has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 15,267 $4,213,875,000 $276,012

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    15,267 $4,213,875,000 $276,012

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 3,487 $552,255,000 $158,375 $371 3.92%
    40-60% 2,330 $833,310,000 $357,644 $1,284 3.71%
    60-80% 3,016 $1,118,100,000 $370,723 $3,710 3.96%
    80-100% 3,629 $1,512,895,000 $416,890 $5,184 4.26%
    Over 100% 12 $5,960,000 $496,667 $18,652 4.58%
    Under 20% 2,792 $191,290,000 $68,514 $45 4.33%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    FIRST CITIZENS BANCSHARES, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%