Applications / Mortgage Analytics / Lenders / Pennsylvania / Commercial Bank and Trust of PA
Latrobe, PA · State non-member bank · FDIC · $362 million assets · 52 loans in 2025
Commercial Bank and Trust of PA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
52
loans originated, 2025
81
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial Bank and Trust of PA makes small loans, and half of them go to borrowers on lower incomes. But it makes far fewer than it used to: 52 in 2025, against 186 in 2018.
Low- and moderate-income (LMI) borrowers took 50.0% of its loans, up from 39.6% in 2024 and more than at about nineteen in twenty similar lenders (state non-member banks making between half and twice as many loans). LMI neighborhoods took a smaller share, 9.6% against 18.6% at similar lenders. That share depends on how many such neighborhoods lie in the 6 counties it serves.
Its typical loan was $65,000, smaller than at nearly all similar lenders, where it was $165,000. Home improvement made up 28.8% of its lending and other purposes 19.2%, beside purchases at 30.8%. Loans of those kinds tend to be smaller, which could account for the gap.
It made 52 loans in 2025, down 15% from 61, while similar lenders grew 5% and the whole market 10%. Its count has fallen every year since 2021, and its dollar total fell from $9.1 million to $6.0 million. Which loans account for the fall is an open question.
In Pittsburgh, PA, where it has lent since 2003, it ranked 175 of 571 lenders with 0.1% of the market, unchanged from 2024. PNC Bank led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commercial Bank and Trust of PA took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 30.8% · Home improvement 28.8% · Refinance 21.2% · Other 19.2%
Conventional 100.0% · of 52 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 | 52 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 50 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300179EG8J5FHBS95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 945026 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314333 | 2003–2017 |
Established 4 May 1934. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Commercial Bank and Trust of PA's data.
Commercial Bank and Trust of PA's data
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Commercial Bank and Trust of PA 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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