# First National Bank of Pennsylvania

> **Canonical URL:** https://saferate.com/lenders/first-national-bank-of-pennsylvania


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First National Bank of Pennsylvania is a bank, headquartered in Greenville, PA, serving borrowers across 16 states, with 5,844 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** N8T7HW55LK5D2ORCKP39
- **Headquarters:** Greenville, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** DC, DE, FL, GA, IN, KY, MD, NC, NJ, NY, OH, PA, SC, TN, VA, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.8%
- **Brokered/Wholesale:** 1.2%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.116%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,201
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 5,844
- **Dollar Volume:** $2.9 billion
- **Applications Received:** 7,592
- **Market Share:** 16.00%

## Typical Borrower Profile

- **Average Loan Amount:** $499,213
- **Average Borrower Income:** $219,753
- **Average Property Value:** $635,029

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 87/100 | 4,607 | +0.137% | $1,169 | Exceptional 🤩 |
| FHA | 66/100 | 145 | +0.269% | $1,373 | Strong 😀 |
| VA | 68/100 | 81 | -0.435% | $1,036 | Strong 😀 |
| Jumbo | 93/100 | 996 | +0.012% | $1,375 | Exceptional 🤩 |
| USDA | 72/100 | 15 | +0.073% | $596 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,993 loans, Score: 87/100 (Exceptional)
- Refinance: 614 loans, Score: 84/100 (Exceptional)

**FHA:**
- Purchase: 140 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 78 loans, Score: 69/100 (Strong)

**Jumbo:**
- Purchase: 967 loans, Score: 93/100 (Exceptional)
- Refinance: 29 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 5,193 | $2.8B | +0.085% | Exceptional 🤩 |
| Refinance | 82/100 | 651 | $150M | +0.313% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 1,782 | 1.47% | 91/100 |
| NC | 1,549 | 1.05% | 84/100 |
| MD | 552 | 0.78% | 79/100 |
| OH | 543 | 0.40% | 75/100 |
| VA | 486 | 0.45% | 78/100 |
| SC | 366 | 0.46% | 77/100 |
| FL | 197 | 0.07% | 59/100 |
| WV | 79 | 0.51% | 65/100 |
| GA | 71 | 0.05% | 53/100 |
| DE | 54 | 0.38% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 700 | 72/100 |
| Pittsburgh, PA | PA | 589 | 91/100 |
| Charlotte | NC-SC | 426 | 82/100 |
| Baltimore | MD | 357 | 79/100 |
| Cleveland, OH | OH | 314 | 79/100 |
| Wilmington, NC | NC | 246 | 89/100 |
| Winston | NC | 243 | 86/100 |
| Richmond, VA | VA | 205 | 77/100 |
| Arlington | VA-WV | 190 | 71/100 |
| Harrisburg | PA | 182 | 85/100 |
| Charleston | SC | 154 | 77/100 |
| Raleigh | NC | 140 | 70/100 |
| Montgomery County | PA | 118 | 71/100 |
| Frederick | MD | 116 | 74/100 |
| Durham | NC | 113 | 75/100 |

## Where This Lender Ranks

First National Bank of Pennsylvania appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Pennsylvania for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in North Carolina for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Pittsburgh, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Pittsburgh, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Charlotte for FHA Loans
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Charlotte for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlotte/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Wilmington, NC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-nc/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Winston for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Winston for FHA Loans
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Winston for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Harrisburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Harrisburg for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Harrisburg for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Charleston for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Johnstown, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Johnstown, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in West Virginia for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in York for Conventional Loans
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Burlington, NC Banks
  - [View Full Rankings](https://saferate.com/burlington-nc/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does First National Bank of Pennsylvania offer?

First National Bank of Pennsylvania offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First National Bank of Pennsylvania offer mortgages?

First National Bank of Pennsylvania offers mortgages in 16 states: DC, DE, FL, GA, IN, KY, MD, NC, NJ, NY, OH, PA, SC, TN, VA, WV.

### How competitive are First National Bank of Pennsylvania's mortgage rates?

First National Bank of Pennsylvania has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.116% above market average.

### What type of lender is First National Bank of Pennsylvania?

First National Bank of Pennsylvania is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Greenville, PA.

### What is First National Bank of Pennsylvania's loan approval success rate?

First National Bank of Pennsylvania has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-national-bank-of-pennsylvania

### How to Cite

> "First National Bank of Pennsylvania Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-national-bank-of-pennsylvania

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