Applications / Mortgage Analytics / Lenders / Pennsylvania / Reliance Savings Bank
Altoona, PA · Savings institution · FDIC · $674 million assets · 278 loans in 2025
Reliance Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
278
loans originated, 2025
350
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Reliance Savings Bank is the second-largest mortgage lender in Altoona, and a maker of small loans, many of them for home improvement.
In Altoona, where it has lent since at least 1990, it ranked 2 of 146 lenders, behind Altoona First Savings Bank. Its share fell to 6.4% from 8.3%. Shares are counted in dollars, so a lender of small loans can lose ground when rivals make bigger ones; fewer loans may also explain the fall.
Its typical loan was $125,000, against $232,500 at similar lenders (savings institutions making between half and twice as many loans), among the lowest tenth. Home improvement made up 16.5% of its loans and other purposes 15.5%. Every loan was conventional.
Its loans fell 9% in 2025, while similar lenders grew 7%. It made 851 loans in 2020 and fewer in each year since, down to 278. The data do not show why.
Low- and moderate-income (LMI) borrowers took 26.6% of its loans, against 24.2% at similar lenders, near the middle. Its 15.1% share in LMI areas was also near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Reliance Savings Bank took 350 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.4% · Refinance 26.6% · Home improvement 16.5% · Other 15.5%
Conventional 100.0% · of 278 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 | 278 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Altoona | 155 |
| State College | 68 |
| Johnstown | 15 |
| Williamsport | 2 |
| Harrisburg-Carlisle | 1 |
| Lancaster | 1 |
| Pittsburgh | 1 |
| Reading | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490073NY7HKXVMGG76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 743679 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44776 | 1990–1991 |
| Respondent ID (the HMDA filer code before 2018) | 330117 | 1992–2017 |
Established 1 January 1939. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Reliance Savings Bank's data.
Reliance Savings Bank's data
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Reliance Savings 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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