Applications / Mortgage Analytics / Lenders / Pennsylvania / Penn Community Bank
Doylestown, PA · Savings institution · FDIC · $3.0 billion assets · 786 loans in 2025
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786
loans originated, 2025
1,023
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Penn Community Bank grew its lending 47% in 2025, much faster than similar savings institutions, and a larger part of its loans went to low- and moderate-income (LMI) borrowers than at nearly all of them.
It made 786 loans, up from 534, a rise of 47% against 5% for similar lenders (savings institutions making between half and twice as many loans) and 10% for the whole market; that is higher than about nine in ten of them. It also bought 62 loans, up from 20. The fact pack does not show which product drove the rise; its loans were spread evenly across refinance (27.2%), other purposes (26.7%), purchase (24.0%) and home improvement (22.0%).
37.3% of its loans went to LMI borrowers, against 24.5% at similar lenders, higher than nearly all of them, and 22.1% went to LMI areas, against 14.2%. 9.8% went to majority-minority areas, against 6.9%. These shares matter to bankers under the Community Reinvestment Act.
Its typical loan was $145,000, against $235,000 at similar lenders, lower than about five in six of them. With home improvement and other purposes making up almost half its lending, smaller loans may follow. All its loans were conventional, as at most similar lenders.
It turned down 1.9% of first-lien purchase applications, against 5.3% at similar lenders, among the lowest tenth.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Penn Community Bank took 1,023 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 27.2% · Other 26.7% · Purchase 24.0% · Home improvement 22.0%
Conventional 100.0% · of 786 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 | 739 | 94.0% |
| New Jersey | 46 | 5.9% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 564 |
| Philadelphia | 98 |
| Allentown-Bethlehem-Easton | 63 |
| Newark | 12 |
| Atlantic City-Hammonton | 11 |
| Camden | 11 |
| Reading | 7 |
| Lakewood-New Brunswick | 6 |
| Trenton-Princeton | 3 |
| Harrisburg-Carlisle | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L3C3LKXG2XBS96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 328777 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45285 | 1990–1990 |
| Respondent ID (the HMDA filer code before 2018) | 330401 | 1991–2017 |
Established 1 January 1922. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Penn Community Bank's data.
Penn Community Bank's data
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