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First National Bank of Pennsylvania
Bank|Greenville, PA|Multi-Region
Loans Originated
5,844
Applications
7,592
Volume
$2 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.116%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,201
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Report Card
First National Bank of Pennsylvania performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Multi-Regional · 50 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$499,213
Average Borrower Income
$219,753
Average Property Value
$635,029
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Strong | 4,607 | 78.8% | +0.137% | $1,169 |
FHA Loans | Strong | Strong | Exceptional | Strong | 145 | 2.5% | +0.269% | $1,373 |
VA Loans | Strong | Strong | Strong | Strong | 81 | 1.4% | -0.435% | $1,036 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 996 | 17.0% | +0.012% | $1,375 |
USDA Loans | Sound | Strong | N/A | Sound | 15 | 0.3% | +0.073% | $596 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Strong | Strong | 5,193 | 88.9% | +0.085% | $1,346 |
Refinance | Strong | Exceptional | Sound | Strong | 651 | 11.1% | +0.313% | $271 |
Geographic Coverage
Metro Areas
49
States Served
16
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DCDEFLGAINKYMDNCNJNYOHPASCTNVAWV
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 589Mix: 10.08%
Place Specialization
Exceptional
2
Wilmington, NC, NCMSA
Volume: 246Mix: 4.21%
Place Specialization
Exceptional
3
Johnstown, PA, PAMSA
Volume: 84Mix: 1.44%
Place Specialization
Exceptional
4
Winston, NCMSA
Volume: 243Mix: 4.16%
Place Specialization
Exceptional
5
Harrisburg, PAMSA
Volume: 182Mix: 3.11%
Place Specialization
Exceptional
6
Charlotte, NC-SCMSA
Volume: 426Mix: 7.29%
Place Specialization
Exceptional
7
Baltimore, MDMSA
Volume: 357Mix: 6.11%
Place Specialization
Strong
8
Cleveland, OH, OHMSA
Volume: 314Mix: 5.37%
Place Specialization
Strong
9
Richmond, VA, VAMSA
Volume: 205Mix: 3.51%
Place Specialization
Strong
10
Charleston, SCMSA
Volume: 154Mix: 2.64%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 1,782Mix: 30.49%
Place Specialization
Exceptional
2
NCState
Volume: 1,549Mix: 26.51%
Place Specialization
Exceptional
3
MDState
Volume: 552Mix: 9.45%
Place Specialization
Strong
4
VAState
Volume: 486Mix: 8.32%
Place Specialization
Strong
5
SCState
Volume: 366Mix: 6.26%
Place Specialization
Strong
6
OHState
Volume: 543Mix: 9.29%
Place Specialization
Strong
7
WVState
Volume: 79Mix: 1.35%
Place Specialization
Strong
8
DCState
Volume: 40Mix: 0.68%
Place Specialization
Sound
9
FLState
Volume: 197Mix: 3.37%
Place Specialization
Sound
10
DEState
Volume: 54Mix: 0.92%
Place Specialization
Sound
Showing 10 of 14 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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