Applications / Mortgage Analytics / Lenders / Pennsylvania / Kish Bank
Belleville, PA · State non-member bank · FDIC · $2.0 billion assets · 774 loans in 2025
Kish Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
774
loans originated, 2025
901
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kish Bank is a Pennsylvania bank that ranked 2 of 192 lenders in State College, PA, and whose originations rose 22% in 2025, faster than four in five similar lenders.
Originations rose 22% to 774, against 9% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Dollar volume rose from $158.1 million to $220.2 million, and loans are back near the 811 of 2020.
Its share rose 2.4 points to 4.9% in Altoona, where it ranked 4 of 146, and to 0.6% from 0.0% in Harrisburg-Carlisle, where it ranked 37 of 396. In State College it ranked second behind PNC Bank, but its share fell 3.5 points to 8.7%, from 12.2%; faster growth by competitors there, or its own growth going to other markets, are possible reasons.
Home purchases were 50.9% of its lending, refinances 18.6%, home improvement 18.2% and other purposes 12.3%. Its typical loan, $145,000, was smaller than at about three in four peers, against $195,000. Its typical rate, 7.00%, was a little above peers' 6.75%, while 0.7% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5%.
Majority-minority areas took 1.3% of its loans, against 7.1%, lower than at more than four in five peers. Lending to LMI (low- and moderate-income) borrowers, 26.4%, and areas, 14.1%, was close to peers'. The make-up of the Pennsylvania counties it serves is a possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kish Bank took 901 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.9% · Refinance 18.6% · Home improvement 18.2% · Other 12.3%
Conventional 99.6% · USDA (RHS or FSA) 0.4% · of 774 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 | 759 | 98.1% |
| Florida | 5 | 0.6% |
| Ohio | 3 | 0.4% |
| West Virginia | 3 | 0.4% |
| District of Columbia | 1 | 0.1% |
| Montana | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| Virginia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| State College | 221 |
| Altoona | 55 |
| Erie | 11 |
| Harrisburg-Carlisle | 9 |
| Johnstown | 4 |
| Pittsburgh | 4 |
| West Palm Beach-Boca Raton-Delray Beach | 4 |
| York-Hanover | 4 |
| Williamsport | 2 |
| Bozeman | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RIR04Y64SF4306 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 600419 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110128 | 2004–2012 |
| Respondent ID (the HMDA filer code before 2018) | 314969 | 2013–2017 |
Established 1 January 1927. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Kish Bank's data.
Kish Bank's data
$215
Kish 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.
Buy Kish Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]