Penn Community Bank in Pennsylvania vs the state
12.8%Denial rate-5.45 pts vs state
13.9%Decision denial rate-8.34 pts vs state
76.5%Origination rate+15.54 pts vs state
6.88%Median rate+0.25 pts vs state
0.24Rate spread (pts)0.00 pts vs state
$122kMedian applicant income
739Loans originated
124Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 672 | 507 | 10.9% | 7.50% | #109 |
| 2024 | 677 | 514 | 10.0% | 8.00% | #110 |
| 2025 | 966 | 739 | 12.8% | 6.88% | #92 |
What Penn Community Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Penn Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 652 | 488 | 86 | 13.2% |
| Philadelphia County | 108 | 91 | 6 | 5.6% |
| Montgomery County | 90 | 69 | 14 | 15.6% |
| Northampton County | 40 | 31 | 6 | 15.0% |
| Lehigh County | 38 | 29 | 8 | 21.1% |
| Chester County | 10 | 7 | 2 | 20.0% |
| Delaware County | 7 | 7 | 0 | 0.0% |
| Berks County | 7 | 7 | 0 | 0.0% |
| Monroe County | 3 | 1 | 1 | 33.3% |
| Bradford County | 3 | 3 | 0 | 0.0% |
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: 966 applications in 2025, of which 739 were originated and 124 denied.
12.8% of all applications, or 13.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Penn Community Bank originated in Pennsylvania in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Penn 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