Doubling in a year
It made 59 loans, up from 29 in 2024, a rise of 103% in a year when similar lenders (savings institutions making between half and twice as many loans) were flat at 0%. That still leaves it below the 82 loans it made in 2021.
Applications / Mortgage Analytics / Lenders / Pennsylvania / Presence Bank
Presence Bank
Coatesville, PA · Savings institution · FDIC · $456 million assets · 59 loans in 2025
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59
loans originated, 2025
75
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Presence Bank, a Pennsylvania savings bank, doubled its number of loans in 2025 and makes far more of its loans in majority-minority and poorer neighborhoods than similar lenders.
Lending where peers do not
Majority-minority neighborhoods took 35.6% of its loans, against 7.8% at similar lenders, more than at about nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 33.9%, against 17.4%, more than at four in five.
Smaller loans, all conventional
Its typical loan was $175,000, against $247,500 for peers, smaller than at about seven in ten. Every loan was conventional. Purchases made up 54.2% of its lending and refinances 39.0%.
Gaining in Lancaster and Dover
In Lancaster, where it has lent since at least 1990, its share rose from 0.1% to 0.2%, placing it 69 of 365 lenders. In Dover, which it entered in 2022, its share rose from 0.0% to 0.2%. Both gains came with the doubling of its loans.
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
59 loans in 2025, against a peak of 82 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Presence Bank took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 54.2% · Refinance 39.0% · Home improvement 5.1% · Other 1.7%
Conventional 100.0% · of 59 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
3 states, 7 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 56 | 94.9% |
| Delaware | 2 | 3.4% |
| Florida | 1 | 1.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lancaster | 32 |
| Montgomery County-Bucks County-Chester County | 16 |
| Harrisburg-Carlisle | 4 |
| Lebanon | 2 |
| Reading | 2 |
| Dover | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900U38QOOLJB8FS91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 660570 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44716 | 1990–1990 |
| Respondent ID (the HMDA filer code before 2018) | 330085 | 1991–2017 |
Established 1 January 1919. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Presence Bank's data.
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