Applications / Mortgage Analytics / Lenders / Pennsylvania / PennCrest Bank
Altoona, PA · Savings institution · FDIC · $239 million assets · 178 loans in 2025
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178
loans originated, 2025
219
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PennCrest Bank, a savings institution in Altoona, makes some of the smallest home loans of any lender its size, and it is the sixth-largest lender in Johnstown.
Its typical loan was $55,000. Similar lenders (savings institutions making between half and twice as many loans) typically lent $232,500, and none lent less than PennCrest Bank. Only about a third of its loans, 34.3%, bought a home; the rest paid for home improvements, refinancing and other purposes. Manufactured homes took 6.2% of its loans, against 0.3% at its peers. Every loan was conventional.
It made 178 loans in 2025, down 9% from 196. Similar lenders grew by 7% and the whole market by 10%. The dollars it lent held steady at $18.0 million. Its yearly count has stayed between 178 and 262 since 2018, so the dip is within its usual range.
It ranks 6 of 143 lenders in Johnstown, PA, with 4.4% of the market, down from 4.9%; First Commonwealth Bank leads. In Altoona, PA, it ranks 20 of 146 with 1.5%. It has lent in both since at least 1990. Both shares slipped a little, which may simply reflect its own smaller loan count in a year when both markets grew.
Just 7.3% of its loans went to low- and moderate-income (LMI) neighborhoods, against 16.6% at similar lenders, which puts it among the lowest tenth. It made none in majority-minority areas. That may reflect the eight counties of Pennsylvania it serves, where such neighborhoods may be few. Its share of loans to LMI borrowers, 25.4%, sits near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PennCrest Bank took 219 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.3% · Home improvement 25.8% · Refinance 22.5% · Other 17.4%
Conventional 100.0% · of 178 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 | 178 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnstown | 102 |
| Altoona | 61 |
| Pittsburgh | 2 |
| State College | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004QMY56VOFMPG66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 805876 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44779 | 1990–1991 |
| Respondent ID (the HMDA filer code before 2018) | 330119 | 1992–2017 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: PennCrest Bank's data.
PennCrest Bank's data
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PennCrest 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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