Applications / Mortgage Analytics / Lenders / Pennsylvania / SSB Bank
Pittsburgh, PA · Savings institution · FDIC · $368 million assets · 125 loans in 2025
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125
loans originated, 2025
131
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SSB Bank is a Pittsburgh savings bank that makes mostly purchase loans, all of them conventional, and its lending has held near 125 loans a year, well below its 2020 and 2021 peak.
Purchase loans were 70.4% of its lending and refinances 20.0%. Every loan was conventional, with no FHA (insured by the Federal Housing Administration) or VA (guaranteed by the Department of Veterans Affairs) loans, as is typical of similar lenders (savings institutions making between half and twice as many loans).
It made 338 loans in 2020 and 351 in 2021, then fell to 123 in 2024. In 2025 loans rose 2% to 125, slower than the typical peer (7%) and the whole market (10%). Its typical loan rose from $155,000 to $225,000, still below the $245,000 of similar lenders; fewer small refinances, more purchase loans or higher house prices could each explain the rise.
Loans in LMI (low- and moderate-income) areas were 20.8%, higher than about two-thirds of peers and up from 12.2% five years before. LMI borrowers took 26.4%, a little above the middle, but down from 36.2% a year earlier; with 125 loans, a year's swing can come from a small number of borrowers.
It ranks 64 of 571 in Pittsburgh, where it has lent since before 1990, with its share unchanged at 0.3%. Since 2021 it has entered Miami, Naples and Cape Coral-Fort Myers, each with very few loans, which may reflect existing customers buying second homes.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SSB Bank took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.4% · Refinance 20.0% · Other 5.6% · Home improvement 4.0%
Conventional 100.0% · of 125 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 120 | 96.0% |
| Florida | 3 | 2.4% |
| Maryland | 1 | 0.8% |
| Ohio | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 114 |
| Cape Coral-Fort Myers | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Naples-Marco Island | 1 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930087BYCGOODQ7P92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 277277 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45325 | 1990–1991 |
| Respondent ID (the HMDA filer code before 2018) | 330431 | 1992–2017 |
Established 1 January 1922. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: SSB Bank's data.
SSB Bank's data
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