Lender in Pennsylvania · HMDA 2025
First Commonwealth Bank mortgages in Pennsylvania
First Commonwealth Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
First Commonwealth Bank originated 883 owner-occupied single-family loans in Pennsylvania from 1,129 completed applications.
Its median conventional purchase loan costs were $4,680 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
883
of 1,129 applications
Denial rate
7.3%
Purchase · PA 6.7%
Rate spread
+0.19 pts
Conv. · PA +0.17 pts
Loan amount
$155,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 767 | 679 | 7.3% | 6.500% | +0.19 pts | $4,680 | $155,000 |
| Refinance | 331 | 185 | 37.2% | — | +0.54 pts | $0 | $85,000 |
| Cash-out refinance | 31 | 19 | 35.5% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where First Commonwealth Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cambria County | 1 | 120 | 10.8% |
| Blair County | 1 | 81 | 7.1% |
| Elk County | 2 | 39 | 15.2% |
| Jefferson County | 2 | 30 | 9.5% |
| Somerset County | 3 | 53 | 8.3% |
| Indiana County | 3 | 43 | 7.3% |
| Clearfield County | 5 | 29 | 4.1% |
| Armstrong County | 6 | 18 | 3.6% |
| Bedford County | 7 | 16 | 3.8% |
| Westmoreland County | 10 | 107 | 2.7% |
| Lawrence County | 10 | 23 | 2.6% |
| Clinton County | 11 | 9 | 2.5% |
| Clarion County | 11 | 5 | 1.9% |
| Cameron County | 12 | 1 | 4.3% |
| Lycoming County | 13 | 19 | 1.9% |
| Butler County | 18 | 41 | 1.6% |
| Forest County | 18 | 1 | 3.9% |
| Montour County | 19 | 3 | 1.6% |
| Allegheny County | 21 | 173 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology