Purchase Originations
5,534
Ranked #87 nationally
Median Total Costs
$5,899
−11.7% vs national ($6,680)
↑ $507 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,496
Median Lender Credits
$579
Cost Rank (500+ vol.)
#268
among lenders with 500+ originations
Denial Rate
8.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,335 | 6.375% | $5,856 | $1,560 |
| fha | 104 | 6.250% | $9,307 | $1,325 |
| va | 76 | 6.125% | $4,865 | $275 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 1,888 | 6.375% | $6,327 | #13 |
| Pennsylvania | 1,563 | 6.375% | $5,737 | #12 |
| Maryland | 620 | 6.500% | $6,749 | #25 |
| Ohio | 489 | 6.375% | $4,817 | #52 |
| Virginia | 356 | 6.250% | $5,357 | #54 |
| South Carolina | 321 | 6.375% | $5,219 | #52 |
| Florida | 160 | 6.250% | $7,525 | #180 |
| District of Columbia | 48 | 6.500% | $7,398 | — |
| Delaware | 25 | 6.750% | $7,470 | — |
| West Virginia | 22 | 6.250% | $4,466 | — |
| New Jersey | 14 | 6.562% | $7,331 | — |
| Georgia | 11 | 6.375% | $5,532 | — |
| Tennessee | 7 | 6.750% | $5,795 | — |
| New York | 6 | 6.938% | $6,021 | — |
| Kentucky | 3 | 6.625% | $4,223 | — |
| Indiana | 1 | 6.250% | $3,061 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,083 | 6.500% | — | 65 | −$1,816 | |
| 2 | $4,591 | 6.250% | — | 171 | −$1,308 | |
| 3 | $4,637 | 6.500% | — | 200 | −$1,262 | |
| 4 | $4,768 | 6.375% | — | 65 | −$1,131 | |
| 5 | $4,803 | 6.500% | — | 72 | −$1,096 | |
| 6 | $4,894 | 6.250% | — | 126 | −$1,005 | |
| 7 | $5,066 | 6.250% | — | 85 | −$833 | |
| 8 | $5,547 | 6.375% | — | 64 | −$352 | |
| 9 | $5,584 | 6.375% | — | 320 | −$315 | |
| 10 | $5,688 | 6.375% | — | 103 | −$211 | |
| 11 | $5,978 | 6.500% | — | 79 | +$79 | |
| 12 | $6,051 | 6.625% | — | 72 | +$152 | |
| 13 | $6,300 | 6.375% | — | 82 | +$401 | |
| 14 | $6,376 | 6.250% | — | 75 | +$477 | |
| 15 | $6,564 | 6.375% | — | 147 | +$665 | |
| 16 | $6,861 | 6.438% | — | 66 | +$962 | |
| 17 | $6,978 | 6.750% | — | 103 | +$1,079 | |
| 18 | $7,596 | 6.125% | — | 514 | +$1,697 | |
| 19 | $7,877 | 6.375% | — | 72 | +$1,978 | |
| 20 | $8,597 | 6.250% | — | 98 | +$2,698 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First National Bank of Pennsylvania | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $5,899 | $7,127 | −$1,228 (−17.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.