Community Bank in Pennsylvania vs the state
19.2%Denial rate+0.89 pts vs state
22.5%Decision denial rate+0.30 pts vs state
65.2%Origination rate+4.20 pts vs state
7.13%Median rate+0.50 pts vs state
0.84Rate spread (pts)+0.60 pts vs state
$83kMedian applicant income
591Loans originated
174Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 969 | 668 | 15.8% | 7.00% | #81 |
| 2024 | 864 | 631 | 14.7% | 7.50% | #94 |
| 2025 | 907 | 591 | 19.2% | 7.13% | #100 |
What Community Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Luzerne County | 343 | 218 | 76 | 22.2% |
| Lackawanna County | 196 | 133 | 34 | 17.3% |
| Carbon County | 70 | 41 | 13 | 18.6% |
| Wyoming County | 52 | 36 | 6 | 11.5% |
| Bradford County | 51 | 37 | 9 | 17.6% |
| Susquehanna County | 46 | 32 | 6 | 13.0% |
| Schuylkill County | 39 | 26 | 9 | 23.1% |
| McKean County | 13 | 7 | 2 | 15.4% |
| Tioga County | 13 | 7 | 5 | 38.5% |
| Wayne County | 12 | 10 | 2 | 16.7% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 907 applications in 2025, of which 591 were originated and 174 denied.
19.2% of all applications, or 22.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Community Bank originated in Pennsylvania in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Community Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology