Applications / Mortgage Analytics / Lenders / Pennsylvania / Hometown Bank of Pennsylvania
Bedford, PA · State non-member bank · FDIC · $438 million assets · 160 loans in 2025
Hometown Bank of Pennsylvania's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
160
loans originated, 2025
222
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hometown Bank of Pennsylvania makes small loans, a third of them for home improvement and a fifth on manufactured homes.
Its typical loan was $75,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest of the group. Home improvement took 32.5% of its loans. Manufactured homes took 19.4%, against 2.8% at similar lenders. Both kinds of loan tend to be small, so it lent fewer dollars than most similar lenders, $19.5 million, while making more loans than the typical one.
Its originations fell 12% to 160. Similar lenders grew 10%, as did the whole market. Weaker demand for home-improvement borrowing may account for part of the fall. Its count has ranged between 139 and 228 loans a year since 2018.
In Altoona, PA its share fell from 1.2% to 0.8%, ranking 31 of 146; Altoona First Savings Bank leads. A rival's growth, or fewer large loans in a small market, are possible reasons. In 2025 it first lent in non-metro North Carolina, ranking 572 of 762.
Only 5.0% of its loans were in low- and moderate-income (LMI) neighborhoods, against 17.3% at similar lenders. Its share of loans to LMI borrowers, 29.8%, was near the middle. The counties it serves, mostly in non-metro Pennsylvania, may contain few such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hometown Bank of Pennsylvania took 222 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.5% · Purchase 32.5% · Refinance 22.5% · Other 12.5%
Conventional 100.0% · of 160 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 | 159 | 99.4% |
| North Carolina | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Altoona | 18 |
| Johnstown | 2 |
| Pittsburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003ZHM6LK8T0QW13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3594087 | 2018–2023 |
Established 9 April 2007. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Hometown Bank of Pennsylvania's data.
Hometown Bank of Pennsylvania's data
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Hometown Bank of Pennsylvania 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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