Applications / Mortgage Analytics / Lenders / Pennsylvania / Woodlands Bank
Williamsport, PA · State member bank · FRS · $616 million assets · 82 loans in 2025
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82
loans originated, 2025
99
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Woodlands Bank is the fifth-largest mortgage lender in Williamsport, Pennsylvania, but it has made fewer loans every year since 2020.
The bank has lent in Williamsport since 1991 and ranks 5 of 153 there. Its share fell to 3.5% from 4.1% in 2025. Journey Bank leads, with Jersey Shore State Bank second. With 82 loans, a handful of deals either way moves the bank's share.
Loans fell 13% to 82 in 2025, while similar lenders, state member banks making between half and twice as many loans, grew 8% and the whole market 10%. Most similar lenders grew faster. The fall is a long one: the bank made 281 loans in 2020 and has made fewer each year since. The figures do not show why. A bank lending in one metro and five counties may simply track its local market.
Purchases made up 73.2% of its loans, and every loan was conventional. Its typical loan, $170,000, was close to the $175,000 of similar lenders. Low- and moderate-income borrowers took 27.6% of its loans, near the middle of similar lenders. It lends in five counties, all in Pennsylvania.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Woodlands Bank took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.2% · Refinance 12.2% · Home improvement 11.0% · Other 3.7%
Conventional 100.0% · of 82 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 | 82 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 65 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RMBMOU2J1VK478 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1479470 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 21479470 | 1991–2017 |
Established 10 October 1990. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Woodlands Bank's data.
Woodlands Bank's data
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Woodlands 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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