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First National Bank of Pennsylvania

Bank•Greenville, PAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First National Bank of Pennsylvania — 5.8k loans across 8k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 49 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans

Explore another lender or local market

Report Card

First National Bank of Pennsylvania performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+11.6 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 10% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Exceptional
Top 20% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 50 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume4,607
Mix78.8%
Spread
+0.137%Above
Fees
$1,169Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume145
Mix2.5%
Spread
+0.269%Above
Fees
$1,373Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume81
Mix1.4%
Spread
-0.435%Below
Fees
$1,036Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume996
Mix17.0%
Spread
+0.012%Above
Fees
$1,375Fees
USDA Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume15
Mix0.3%
Spread
+0.073%Above
Fees
$596Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume5,193
Mix88.9%
Spread
+0.085%Above
Fees
$1,346Fees
Refinance
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume651
Mix11.1%
Spread
+0.313%Above
Fees
$271Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
5,844
Applications
7,592
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.116%
vs. market APOR
Avg Net Fees
$1,201
Origination − Credits
Pullthrough Rate
77.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$499,213
Avg Borrower Income
$219,753
Avg Property Value
$635,029

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

16
16 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
NJNYPA
Midwest2
INOH
South11
DCDEFLGAKYMDNCSCTNVAWV

Top Metro Areas by Place Specialization Score

1© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 589Mix 10.08% of portfolio
91/100
Exceptional
2© Bjoertvedt · CC BY-SA 4.0
Wilmington, NCMetro
Volume 246Mix 4.21% of portfolio
89/100
Exceptional
3© Masst1984 · CC BY-SA 4.0
Johnstown, PAMetro
Volume 84Mix 1.44% of portfolio
88/100
Exceptional
4© DiscoA340 · CC BY-SA 4.0
Winston, NCMetro
Volume 243Mix 4.16% of portfolio
86/100
Exceptional
5© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 182Mix 3.11% of portfolio
85/100
Exceptional
6© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 426Mix 7.29% of portfolio
82/100
Exceptional
7© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 357Mix 6.11% of portfolio
79/100
Strong
8© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 314Mix 5.37% of portfolio
79/100
Strong
9© Billy Hathorn · CC BY-SA 3.0
Richmond, VAMetro
Volume 205Mix 3.51% of portfolio
77/100
Strong
10© WeaponizingArchitecture · CC BY-SA 4.0
Charleston, SCMetro
Volume 154Mix 2.64% of portfolio
77/100
Strong
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 1,782Mix 30.49% of portfolio
91/100
Exceptional
North Carolina
North Carolina
2
North CarolinaState
Volume 1,549Mix 26.51% of portfolio
84/100
Exceptional
Maryland
Maryland
3
MarylandState
Volume 552Mix 9.45% of portfolio
79/100
Strong
Virginia
Virginia
4
VirginiaState
Volume 486Mix 8.32% of portfolio
78/100
Strong
South Carolina
South Carolina
5
South CarolinaState
Volume 366Mix 6.26% of portfolio
77/100
Strong
Ohio
Ohio
6
OhioState
Volume 543Mix 9.29% of portfolio
75/100
Strong
West Virginia
West Virginia
7
West VirginiaState
Volume 79Mix 1.35% of portfolio
65/100
Strong
Washington, DC
Washington, DC
8
Washington, DCState
Volume 40Mix 0.68% of portfolio
59/100
Sound
Florida
Florida
9
FloridaState
Volume 197Mix 3.37% of portfolio
59/100
Sound
Delaware
Delaware
10
DelawareState
Volume 54Mix 0.92% of portfolio
58/100
Sound
Showing 10 of 14 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.