Applications / Mortgage Analytics / Lenders / Pennsylvania / First National Bank of Pennsylvania
Greenville, PA · National bank · OCC · $50.0 billion assets · 15,800 loans in 2025
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15,800
loans originated, 2025
24,133
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Pennsylvania grew originations 21% in 2025, faster than about four in five similar lenders, and gained share in Pittsburgh, Charlotte, Baltimore and Cleveland at once.
Originations rose to 15,800, while similar lenders (national banks making between half and twice as many loans) rose 1% and the whole market 10%. Its Pittsburgh share rose from 3.8% to 4.4%, ranking 5 of 571 behind PNC Bank, and Charlotte from 1.5% to 2.2%, ranking 10 of 775. Baltimore and Cleveland each rose to 2.0%.
Its share in low- and moderate-income (LMI) areas rose from 9.5% five years before to 17.5%, above the peer 13.8%. Majority-minority areas rose from 5.7% to 20.3%, close to the peer 22.2%. Acquisitions such as Howard Bank in 2022 and growth in metros like Charlotte and Baltimore could explain the change in where it lends.
Higher-priced loans (a rate well above the average for similar loans) were 0.3%, against 2.0% for peers, lower than about nine in ten of them. Its typical rate of 6.49% was close to the peer 6.62%. Few loans insured by the Federal Housing Administration, 0.7% against 2.0%, may keep prices down.
It bought 2,145 loans, against 133 for the typical peer, more than about four in five similar lenders. Home purchase made up 44.1% of its originations, home improvement 24.8% and refinance 23.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank of Pennsylvania took 24,133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.1% · Home improvement 24.8% · Refinance 23.2% · Other 8.0%
Conventional 98.7% · FHA 0.7% · VA 0.5% · USDA (RHS or FSA) 0.1% · of 15,800 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 5,819 | 36.8% |
| North Carolina | 5,046 | 31.9% |
| Maryland | 1,678 | 10.6% |
| Ohio | 1,491 | 9.4% |
| Virginia | 684 | 4.3% |
| South Carolina | 598 | 3.8% |
| Florida | 187 | 1.2% |
| District of Columbia | 96 | 0.6% |
| West Virginia | 82 | 0.5% |
| Delaware | 50 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 2,489 |
| Charlotte-Concord-Gastonia | 1,897 |
| Baltimore-Columbia-Towson | 1,240 |
| Cleveland | 881 |
| Winston-Salem | 659 |
| Raleigh-Cary | 628 |
| Wilmington | 485 |
| Harrisburg-Carlisle | 403 |
| Greensboro-High Point | 383 |
| Arlington-Alexandria-Reston | 378 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | N8T7HW55LK5D2ORCKP39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 379920 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1249 | 1990–2011 |
| Respondent ID (the HMDA filer code before 2018) | 9379920 | 2012–2017 |
Established 4 February 1864. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank of Pennsylvania's data.
First National Bank of Pennsylvania's data
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First National Bank of Pennsylvania and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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