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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 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Multi-Region · 49 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
First National Bank of Pennsylvania performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +11.6 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 10% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 4,607 | 78.8% | +0.137%Above | $1,169Fees | ||||
FHA Loans | 145 | 2.5% | +0.269%Above | $1,373Fees | ||||
VA Loans | 81 | 1.4% | -0.435%Below | $1,036Fees | ||||
Jumbo Loans | 996 | 17.0% | +0.012%Above | $1,375Fees | ||||
USDA Loans | — | 15 | 0.3% | +0.073%Above | $596Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,193 | 88.9% | +0.085%Above | $1,346Fees | ||||
Refinance | 651 | 11.1% | +0.313%Above | $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
States Served
16
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
DCDEFLGAINKYMDNCNJNYOHPASCTNVAWV
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 589Mix: 10.08%of portfolio
Place
Exceptional2
Wilmington, NC, NCMSA
Volume: 246Mix: 4.21%of portfolio
Place
Exceptional3
Johnstown, PA, PAMSA
Volume: 84Mix: 1.44%of portfolio
Place
Exceptional4
Winston, NCMSA
Volume: 243Mix: 4.16%of portfolio
Place
Exceptional5
Harrisburg, PAMSA
Volume: 182Mix: 3.11%of portfolio
Place
Exceptional6
Charlotte, NC-SCMSA
Volume: 426Mix: 7.29%of portfolio
Place
Exceptional7
Baltimore, MDMSA
Volume: 357Mix: 6.11%of portfolio
Place
Strong8
Cleveland, OH, OHMSA
Volume: 314Mix: 5.37%of portfolio
Place
Strong9
Richmond, VA, VAMSA
Volume: 205Mix: 3.51%of portfolio
Place
Strong10
Charleston, SCMSA
Volume: 154Mix: 2.64%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 1,782Mix: 30.49%of portfolio
Place
Exceptional2
NCState
Volume: 1,549Mix: 26.51%of portfolio
Place
Exceptional3
MDState
Volume: 552Mix: 9.45%of portfolio
Place
Strong4
VAState
Volume: 486Mix: 8.32%of portfolio
Place
Strong5
SCState
Volume: 366Mix: 6.26%of portfolio
Place
Strong6
OHState
Volume: 543Mix: 9.29%of portfolio
Place
Strong7
WVState
Volume: 79Mix: 1.35%of portfolio
Place
Strong8
DCState
Volume: 40Mix: 0.68%of portfolio
Place
Sound9
FLState
Volume: 197Mix: 3.37%of portfolio
Place
Sound10
DEState
Volume: 54Mix: 0.92%of portfolio
Place
SoundShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.