Applications / Mortgage Analytics / Lenders / Pennsylvania / Community Bank
Carmichaels, PA · State non-member bank · FDIC · $1.5 billion assets · 155 loans in 2025
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155
loans originated, 2025
214
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Bank makes small loans, and nearly half of them go to low- and moderate-income borrowers, a far bigger share than at similar banks.
Low- and moderate-income (LMI) borrowers took 47.1% of its loans, against 27.9% at similar lenders (state non-member banks making between half and twice as many loans). That was higher than at nearly all of them, and up from 22.6% five years before. Its share in LMI tracts, 11.8%, was lower than at about three-quarters of peers, which may reflect where lower-income households live in its markets.
Its typical loan was $95,000, against $175,000 at peers, smaller than at about nine in ten of them. Its typical rate was 6.55%, against 6.95%. Only 0.8% of its loans were higher-priced (a rate well above the average for similar loans), against 2.9%.
It made 155 loans, the same as in 2024, while similar lenders grew 10%. It made 562 in 2020 and fewer each year until 2024. Weaker refinance demand could account for the fall; refinances are now 37.4% of its lending. Its dollar volume still rose, to $45.3 million from $27.4 million.
In Weirton-Steubenville, where it has lent since at least 1990, it ranked 10 of 149 and its share rose 1.2 points to 2.0%. In Mansfield, which it entered in 2023, it ranked 17 of 187 with 1.0%. In Pittsburgh, its largest market, it ranked 97 of 571.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Bank took 214 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.4% · Purchase 31.6% · Other 17.4% · Home improvement 13.5%
Conventional 95.5% · FHA 4.5% · of 155 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 | 100 | 64.5% |
| West Virginia | 34 | 21.9% |
| Ohio | 19 | 12.3% |
| Florida | 1 | 0.6% |
| Louisiana | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 70 |
| Wheeling | 27 |
| Weirton-Steubenville | 18 |
| Cleveland | 2 |
| Mansfield | 2 |
| Morgantown | 2 |
| Canton-Massillon | 1 |
| Columbus | 1 |
| Erie | 1 |
| Houma-Bayou Cane-Thibodaux | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008JDUT3R3K1LZ58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 371924 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15784 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 37848 | 2006–2017 |
Established 1 July 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Community Bank's data.
Community Bank's data
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Community 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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