Applications / Mortgage Analytics / Lenders / Pennsylvania / Susquehanna Community Bank
West Milton, PA · State non-member bank · FDIC · $587 million assets · 129 loans in 2025
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129
loans originated, 2025
146
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Susquehanna Community Bank, of West Milton, Pennsylvania, is a lender to homebuyers whose home lending has fallen every year since 2022.
It made 369 loans in 2022 and 129 in 2025. Its loans fell 24% last year while similar lenders, state non-member banks making between half and twice as many loans, grew 9%; it was among the lowest tenth of the 565 on growth. The figures do not show why. It first reported in 2020.
Purchases made up 72.1% of its loans and refinancing 18.6%. Almost all, 99.2%, were conventional. Its typical loan, $175,000, matched its peers' exactly.
Its best position is in Williamsport, where it ranks 19 of 153 lenders with a share of 1.1%, little changed from 1.2%. Journey Bank and Jersey Shore State Bank lead there. It also ranks 65 of 643 in rural Pennsylvania, and has lent in all its main markets since 2020 or 2021. It lends only 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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Susquehanna Community Bank took 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.1% · Refinance 18.6% · Other 7.8% · Home improvement 1.6%
Conventional 99.2% · USDA (RHS or FSA) 0.8% · of 129 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 | 129 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 20 |
| State College | 3 |
| Harrisburg-Carlisle | 1 |
| Scranton--Wilkes-Barre | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T3Z5LVF06QVK79 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 556011 | 2022–2023 |
Established 1 January 1920. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Susquehanna Community Bank's data.
Susquehanna Community Bank's data
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Susquehanna Community 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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