Mostly not for buying
Purchases were only 34.1% of its loans. Refinancing took 30.7%, other purposes 20.5% and home improvement 14.8%, all conventional. Most of its lending therefore went to people who already own their homes.
Applications / Mortgage Analytics / Lenders / Pennsylvania / First National Bank and Trust Company of Newtown
First National Bank and Trust Company of Newtown
Newtown, PA · National bank · OCC · $1.1 billion assets · 88 loans in 2025
First National Bank and Trust Company of Newtown's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
88
loans originated, 2025
123
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank and Trust Company of Newtown, a Philadelphia-area bank since 1990, lends mostly for purposes other than buying a home, and made 88 loans in 2025, near the middle of similar lenders.
More lending in poorer areas
It made 26.1% of its loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts), up from 13.6% in 2024. That is higher than more than three in four similar lenders, national banks making between half and twice as many loans, whose typical share was 16.2%. LMI borrowers took 26.7%, near the middle, down from 37.3%. At 88 loans, a few loans move these shares by several points.
Steady after a long fall
Its loans rose 7% from 82, close to similar lenders' 6% and below the whole market's 10%. It made 198 loans in 2018 and 123 in 2020. The figures do not show why the count fell.
A Philadelphia fixture
It has lent in Philadelphia-Camden-Wilmington since 1990, in Trenton-Princeton since 1994 and in Scranton--Wilkes-Barre since 2001. Its shares in the two smaller markets round to 0.0%.
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
88 loans in 2025, against a peak of 198 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First National Bank and Trust Company of Newtown took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
34.1% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 34.1% · Refinance 30.7% · Other 20.5% · Home improvement 14.8%
Conventional 100.0% · of 88 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
2 states, 4 metros, 6 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 85 | 96.6% |
| New Jersey | 3 | 3.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 83 |
| Newark | 2 |
| Scranton--Wilkes-Barre | 1 |
| Trenton-Princeton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QQ8FVN501MZL94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1007417 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1324 | 1990–2017 |
Established 25 February 1864. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank and Trust Company of Newtown's data.
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