Lender in North Carolina · HMDA 2025
First National Bank of Pennsylvania mortgages in North Carolina
First National Bank of Pennsylvania's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
First National Bank of Pennsylvania originated 2,148 owner-occupied single-family loans in North Carolina from 2,461 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $6,300 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.375% (North Carolina: 6.50%).
Loans in NC
2,148
of 2,461 applications
Denial rate
9.7%
Purchase · NC 7.6%
Rate spread
+0.15 pts
Conv. · NC +0.04 pts
Loan amount
$385,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,087 | 1,879 | 9.7% | 6.375% | +0.15 pts | $6,300 | $385,000 |
| Refinance | 356 | 252 | 28.6% | 6.375% | −0.06 pts | $0 | $245,000 |
| Cash-out refinance | 18 | 17 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where First National Bank of Pennsylvania ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mecklenburg County | 6 | 537 | 3.0% |
| Brunswick County | 6 | 123 | 2.8% |
| Orange County | 6 | 52 | 3.5% |
| Forsyth County | 7 | 195 | 3.4% |
| Davidson County | 7 | 82 | 2.9% |
| Yadkin County | 7 | 10 | 2.6% |
| Caswell County | 7 | 5 | 3.0% |
| Surry County | 8 | 20 | 2.8% |
| Person County | 8 | 11 | 2.4% |
| Union County | 9 | 95 | 1.9% |
| Alamance County | 9 | 68 | 2.3% |
| Rowan County | 9 | 52 | 2.2% |
| Stokes County | 9 | 20 | 3.2% |
| Wilkes County | 9 | 16 | 2.8% |
| Ashe County | 9 | 5 | 2.0% |
| Rockingham County | 11 | 37 | 2.8% |
| Perquimans County | 11 | 5 | 2.5% |
| Chatham County | 12 | 27 | 2.1% |
| Pamlico County | 12 | 4 | 2.4% |
| Hyde County | 12 | 1 | 5.0% |
| New Hanover County | 13 | 60 | 1.8% |
| Gaston County | 14 | 76 | 1.7% |
| Guilford County | 15 | 116 | 1.8% |
| Dare County | 16 | 10 | 1.9% |
| Watauga County | 18 | 5 | 1.3% |
| Duplin County | 19 | 5 | 1.4% |
| Cabarrus County | 20 | 54 | 1.2% |
| Davie County | 21 | 8 | 1.1% |
| Martin County | 22 | 2 | 1.3% |
- First National Bank of Pennsylvania nationwide
- North Carolina mortgage market
- First National Bank of Pennsylvania in Pennsylvania
- First National Bank of Pennsylvania in Maryland
- First National Bank of Pennsylvania in Ohio
- First National Bank of Pennsylvania in Virginia
- First National Bank of Pennsylvania in South Carolina
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology