A handful of loans
Its 28 loans came to $11.1 million. That was down 7% from 30 in 2024, while similar lenders, meaning national banks making between half and twice as many loans, fell 11%. The typical peer made 39 loans.
Applications / Mortgage Analytics / Lenders / Pennsylvania / The National Bank of Malvern
The National Bank of Malvern
Malvern, PA · National bank · OCC · $222 million assets · 28 loans in 2025
The National Bank of Malvern's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
28
loans originated, 2025
31
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The National Bank of Malvern, established in 1884, is a very small mortgage lender: it made 28 loans in 2025, in five counties, mainly in Pennsylvania.
Gaps in the record
It filed no HMDA report for 2020, 2021 or 2022. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so these are gaps in the record, not years without lending. It reported again from 2023, and has appeared in the public data since 1990.
Close to home
Its lending reaches five counties in two states, with Pennsylvania the main one. In Philadelphia-Camden-Wilmington, its largest market, it ranks 300 of 784, far behind leaders such as CrossCountry Mortgage and Rocket Mortgage. In 2025 it entered Ocala, Florida.
Too few loans to read much into
Half its loans were for purchases and all were conventional. With 28 loans in all, one or two loans can swing its shares of lending to low- and moderate-income borrowers or of jumbo loans (those larger than the conforming limit), so comparisons with peers on those measures would mean little.
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
28 loans in 2025, against a peak of 31 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The National Bank of Malvern took 31 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
50.0% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 50.0% · Refinance 35.7% · Home improvement 7.1% · Other 7.1%
Conventional 100.0% · of 28 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
2 states, 3 metros, 5 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 27 | 96.4% |
| Florida | 1 | 3.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 24 |
| Philadelphia | 3 |
| Ocala | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NSXWCE07HAP496 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 977616 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 13147 | 1990–2017 |
Established 7 April 1884. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The National Bank of Malvern's data.
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