Applications / Mortgage Analytics / Lenders / Pennsylvania / Investment Savings Bank
Altoona, PA · Savings institution · FDIC · $106 million assets · 34 loans in 2025
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34
loans originated, 2025
46
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Investment Savings Bank is an Altoona savings bank making small conventional loans, and its volume is about a third of its yearly level from 2018 to 2022.
The bank made between 88 and 99 loans a year from 2018 to 2022, then 44 in 2023 and 34 in 2025. Its 2025 originations fell 15%, against a 7% fall for similar lenders (savings institutions making between half and twice as many loans) and a 10% rise for the whole market. A choice by the bank or conditions in its few counties could explain it.
Its typical loan was $65,000 against $245,000 for similar lenders, the lowest in the group, so its $3.5 million in lending was lower than almost all of them. Loans this size may reflect modest house prices in the small Pennsylvania markets it serves.
34.4% of its borrowers were LMI (low- and moderate-income), against 22.6% for similar lenders, higher than about four in five of them, while its share in LMI tracts was near the middle.
It ranks 28 of 146 lenders in Altoona, with 0.9% of the market against 1.1% a year earlier, behind Altoona First Savings Bank and Reliance Savings Bank.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Investment Savings Bank took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 32.4% · Purchase 29.4% · Home improvement 26.5% · Other 11.8%
Conventional 100.0% · of 34 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 | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Altoona | 31 |
| Johnstown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005DE3TY0D0PU504 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 854173 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44789 | 1990–1993 |
| Respondent ID (the HMDA filer code before 2018) | 330121 | 1994–2017 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Investment Savings Bank's data.
Investment Savings Bank's data
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Investment Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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