Penn Community Bank
Penn Community Bank received 1,023 applications in 2025 and made 786 mortgages, in 31 counties across 3 states. The median rate its borrowers got was 6.875% on a median loan of $145,000. Of 947 decisions, 129 were denials — 13.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300L3C3LKXG2XBS96 |
|---|---|
| Applications received | 1,023 |
| Mortgages made | 786 |
| Denied | 129 |
| Approved, not taken up | 32 |
| Withdrawn or incomplete | 76 |
| Loans bought from other lenders | 62 |
| Median rate spread over the prime offer rate | 0.24 points |
| FDIC-insured bank | Yes: Penn Community Bank, 22 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 189 | 6.750% | $295,000 | 2.0% |
| Refinancing | 200 | 6.750% | $155,000 | 13.6% |
| Cash-out refinancing | 14 | 6.705% | $230,000 | 6.7% |
| Other purposes | 383 | 7.115% | $80,000 | 18.6% |
Where Penn Community Bank lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bucks County, PA | 488 | 7.000% | 14.5% |
| Philadelphia County, PA | 91 | 6.530% | 5.8% |
| Montgomery County, PA | 69 | 6.930% | 16.7% |
| Northampton County, PA | 31 | 6.875% | 15.8% |
| Lehigh County, PA | 29 | 6.750% | 21.1% |
| Hunterdon County, NJ | 11 | 6.740% | 8.3% |
| Cape May County, NJ | 9 | Under 10 loans | 0.0% |
| Berks County, PA | 7 | Under 10 loans | 0.0% |
| Chester County, PA | 7 | Under 10 loans | 20.0% |
| Delaware County, PA | 7 | Under 10 loans | 0.0% |
| Camden County, NJ | 6 | Under 10 loans | 0.0% |
| Burlington County, NJ | 3 | Under 10 loans | 25.0% |
| Mercer County, NJ | 3 | Under 10 loans | 50.0% |
| Warren County, NJ | 3 | Under 10 loans | 0.0% |
| Bradford County, PA | 3 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 2 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 2 | Under 10 loans | 0.0% |
| Ocean County, NJ | 2 | Under 10 loans | 0.0% |
| Somerset County, NJ | 2 | Under 10 loans | 0.0% |
| Pike County, PA | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 1 | Under 10 loans | 0.0% |
| Cumberland County, PA | 1 | Under 10 loans | 0.0% |
| Elk County, PA | 1 | Under 10 loans | 0.0% |
| Juniata County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 50.0% |
| Schuylkill County, PA | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 0 | Under 10 loans | 100.0% |
| Luzerne County, PA | 0 | Under 10 loans | 0.0% |
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When Penn Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.