First National Bank of Pennsylvania
15,800 mortgages originated in 2025 across 10 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 15,800
- Median rate
- 6.490%
- Median lender fees
- $4,093
- Median loan amount
- $185,000
- Median spread over APOR
- -0.116
- Paid discount points
- 15.7%
- Received lender credits
- 13.7%
- Purchases / refinances
- 44.1% / 23.2%
- Conventional / FHA / VA
- 98.7% / 0.7% / 0.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 64.4% of loans here — see methodology.
Where First National Bank of Pennsylvania lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Pennsylvania | 5,819 | — | 6.490% |
| North Carolina | 5,046 | $3,956 | 6.375% |
| Maryland | 1,678 | $4,889 | 6.490% |
| Ohio | 1,491 | $3,718 | 6.490% |
| Virginia | 684 | $4,957 | 6.250% |
| South Carolina | 598 | $4,782 | 6.375% |
| Florida | 187 | $7,397 | 6.250% |
| District of Columbia | 96 | $6,540 | 6.250% |
| West Virginia | 82 | — | 6.490% |
| Delaware | 50 | — | 6.625% |