PlainLender

First National Bank of PA

PITTSBURGH, PA

First National Bank of PA processed 22,946 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 13,057 loans with a 25.0% denial rate. Home Purchase was the primary loan purpose. Based in PITTSBURGH, PA. The approval rate of 56.9% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First National Bank of PA's 56.9% origination rate tells you how often an application turned into funded money; the 25.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (22,615 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

22,946
Applications
13,057
Originated
25.0%
Denial Rate
$278,809
Avg Loan Amount
Avg Interest Rate: 6.933% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 22,615 12,810 5,685 $278,553
FHA 199 149 31 $263,040
VA 102 83 11 $404,314
USDA 30 15 14 $149,667

Top loan types - First National Bank of PA

Top loan types - First National Bank of PA Horizontal bar chart of the top 4 items by value (applications). Top loan types - First National Bank of PA Top 4 1. Conventional 22,615 2. FHA 199 3. VA 102 4. USDA 30 Top 5 loan types by application volume at First National Bank of PA (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for First National Bank of PA (LEI: N8T7HW55LK5D2ORCKP39) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
3,069
Debt-to-income ratio
3,050
Other
1,210
Collateral
1,210
Unverifiable information
206
Employment history
196
Insufficient cash
27
Credit application incomplete
24

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 9,047 5,814 $466,756
Home Improvement 6,430 3,442 $123,521
Refinancing 4,589 2,492 $204,139
Other 2,638 1,227 $142,437
Cash-out Refinancing 242 82 $281,033

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 15,475 62.8% 27.0%
Asian 1,345 61.5% 24.5%
Black or African American 1,004 48.2% 40.4%
Joint 381 72.2% 16.8%
American Indian or Alaska Native 60 65.0% 20.0%
Native Hawaiian or Other Pacific Islander * 39 38.5% 56.4%
2 or more minority races * 18 55.6% 33.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 17,409 62.4% 26.9%
Hispanic or Latino 756 53.6% 37.2%
Joint 256 67.6% 23.8%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

Newrez LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

Pnc Bank N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

Spring Eq, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

Nvr Mortgage Finance, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

Police and Fire Federal Credit Union

3333 STREET ROAD, PA

12,994 apps 6,631 originated 33.6% denied
Compare First National Bank of PA vs Newrez LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did First National Bank of PA process?
First National Bank of PA processed 22,946 mortgage applications in the 2024 HMDA reporting year. Of these, 13,057 were originated (approved and funded), 1,063 were withdrawn by the applicant, and 5,741 were denied.
What is First National Bank of PA's mortgage approval rate?
First National Bank of PA has an approval (origination) rate of 56.9%, meaning 56.9% of all applications resulted in a funded mortgage. The denial rate is 25.0%.
What is the average loan amount at First National Bank of PA?
The average mortgage loan amount at First National Bank of PA is $278,809. The average interest rate is 6.933%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at First National Bank of PA?
The most common reasons for mortgage denial at First National Bank of PA are: Credit history, Debt-to-income ratio, Other. In total, 5,741 applications were denied out of 22,946 total applications.
What types of mortgage loans does First National Bank of PA offer?
First National Bank of PA processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 22,615 applications and an average loan amount of $278,553.
What loan purposes does First National Bank of PA serve?
First National Bank of PA serves the following loan purposes: Home Purchase (9,047 applications), Home Improvement (6,430 applications), Refinancing (4,589 applications), Other (2,638 applications), Cash-out Refinancing (242 applications). Home Purchase is the most common purpose.
Where is First National Bank of PA located?
First National Bank of PA is headquartered in PITTSBURGH, PA. The lender is identified by LEI N8T7HW55LK5D2ORCKP39 in HMDA data.
How does First National Bank of PA compare in lending across racial demographics?
First National Bank of PA reports demographic lending data under HMDA requirements. White applicants have an approval rate of 62.8% and denial rate of 27.0%; Asian applicants have an approval rate of 61.5% and denial rate of 24.5%; Black or African American applicants have an approval rate of 48.2% and denial rate of 40.4%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.