PennCrest 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%
31st15.0% deniedProcesswithdrawn + incomplete share, weight 15%
86th2.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 219 | 181 | 10.5% | 11.1% | — | $14M |
| 2024 | 234 | 196 | 10.3% | 10.7% | — | $18M |
| 2025 | 219 | 178 | 14.6% | 15.0% | — | $18M |
What PennCrest 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: 0 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 21 investment properties.
Who gets approved at PennCrest Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 25 | 28.6% |
| $50k – $100k | 81 | 62 | 19.0% |
| $100k – $150k | 64 | 58 | 7.8% |
| $150k – $250k | 30 | 26 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 46 | 34 | 18.6% |
| 35–44 | 47 | 37 | 19.6% |
| 45–54 | 50 | 43 | 12.0% |
| 55–64 | 53 | 48 | 7.7% |
Where PennCrest Bank lends
1 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 219 | 178 | 14.6% | — | #260 |
Frequently asked questions
PennCrest Bank denied 15.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 31st percentile of small mortgage lenders.
In 2025, 36% of its applications were for home purchases, 25% for refinancing (including cash-out), and 39% 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.