Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,093
median across reports
vs. National Average
36%
below national avg
Avg Origination Charge
$2,915
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $4,112 | $3,585 | 🔴 Above Avg |
| Origination Fee | $2,915 | $3,743 | 🟢 Below Avg |
| lender_credits | $1,056 | $1,150 | 🟡 Average |
Got a Loan Estimate from First National Bank of Pennsylvania? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 10,180 homebuyer-submitted Closing Disclosures, First National Bank of Pennsylvania's median total closing costs are $4,093. This is about 36% below the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from First National Bank of Pennsylvania's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
5,534
Ranked #87 nationally
Median Total Costs
$5,899
−11.7% vs national ($6,680)
Median Rate
6.375%
−1.8% vs national (6.490%)
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 |
| This lender | North Carolina median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,327 | $5,736 | $6,680 |
| Interest Rate | 6.375% | 6.380% | 6.490% |
| Originations in state | 1,888 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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| 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 | — |