Pennian Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
70th5.6% deniedProcesswithdrawn + incomplete share, weight 15%
55th10.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 154 | 120 | 11.0% | 12.0% | — | $25M |
| 2024 | 117 | 93 | 10.3% | 10.9% | — | $18M |
| 2025 | 179 | 145 | 5.0% | 5.6% | — | $36M |
What Pennian 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, 56 investment properties.
Who gets approved at Pennian Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 39 | 30 | 9.1% |
| $100k – $150k | 47 | 39 | 4.7% |
| $150k – $250k | 23 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 49 | 42 | 4.4% |
| 35–44 | 30 | 25 | 3.7% |
| 55–64 | 20 | 14 | 11.1% |
Where Pennian Bank lends
1 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 179 | 145 | 5.0% | — | #295 |
Frequently asked questions
Pennian Bank denied 5.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 70th percentile of small mortgage lenders.
In 2025, 79% of its applications were for home purchases, 15% for refinancing (including cash-out), and 6% 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.