Penn Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
34th13.6% deniedPricingmedian rate spread over APOR, weight 30%
53rd0.24 ptsProcesswithdrawn + incomplete share, weight 15%
70th7.4%Closing coststotal loan costs ÷ loan amount, weight 10%
23rd2.78% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 709 | 531 | 11.1% | 12.5% | 7.50% | $175M |
| 2024 | 708 | 534 | 10.3% | 11.6% | 8.00% | $135M |
| 2025 | 1,023 | 786 | 12.6% | 13.6% | 6.88% | $372M |
What Penn Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 394 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 102 investment properties.
Why Penn Community Bank denies applications
Primary reason reported for each of the 129 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Penn Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 64 | 26 | 51.8% |
| $50k – $100k | 270 | 187 | 20.4% |
| $100k – $150k | 219 | 175 | 11.0% |
| $150k – $250k | 234 | 189 | 8.0% |
| Over $250k | 131 | 117 | 1.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 81 | 67 | 8.1% |
| 35–44 | 154 | 121 | 13.3% |
| 45–54 | 199 | 144 | 16.4% |
| 55–64 | 249 | 199 | 13.1% |
| 65–74 | 174 | 128 | 14.7% |
| Over 74 | 77 | 46 | 27.9% |
Where Penn Community Bank lends
3 states and 31 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 966 | 739 | 12.8% | 6.88% | #92 |
| New Jersey | 56 | 46 | 8.9% | 6.74% | #342 |
Frequently asked questions
Penn Community Bank denied 13.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of small mortgage lenders.
The most common reason Penn Community Bank gave in 2025 was "debt-to-income ratio", cited on 72.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Penn Community Bank originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.24 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 26% for refinancing (including cash-out), and 52% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.