PNB Community Bank
PNB Community Bank received 34 applications in 2025 and made 28 mortgages, in 4 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $255,000. Of 33 decisions, 4 were denials — 12.1%.
| Legal Entity Identifier | 5493000XULPSCVX2HV31 |
|---|---|
| Applications received | 34 |
| Mortgages made | 28 |
| Denied | 4 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: PNB Community Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 17 | Not published | $325,000 | 5.3% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 60.0% |
Where PNB Community Bank lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Walton County, FL | 18 | Not published | 13.6% |
| Okaloosa County, FL | 8 | Under 10 loans | 11.1% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
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When PNB 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.