Community Bank, National Association mortgage approval rate & lending review
Community Bank, National Association decided 7,644 mortgage applications and funded 6,351 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Community Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Community Bank, National Association at a glance
Approval is 4.3 points above the 79.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 3,122 / 3,594 | 100% | $165K | 3,112 |
| Home improvement loans | 78% | 1,412 / 1,807 | 99% | $55K | 1,403 |
| Refinance | 80% | 899 / 1,121 | 99% | $95K | 886 |
| Investment property purchase | 88% | 756 / 855 | 100% | $145K | 753 |
| Investment refinance | 74% | 94 / 127 | 99% | $155K | 93 |
| Investment home improvement | 75% | 92 / 122 | 100% | $85K | 92 |
Community Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 84% | $165K | 5,824 | 4,855 |
| Pennsylvania | 81% | $145K | 1,420 | 1,146 |
| Vermont | 89% | $95K | 261 | 229 |
| Massachusetts | 87% | $275K | 129 | 111 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Community Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Chautauqua County, NY | Mortgage lenders | 88% | 398 | 350 |
| Luzerne County, PA | Mortgage lenders | 87% | 368 | 316 |
| Erie County, NY | Mortgage lenders | 88% | 335 | 295 |
| Oneida County, NY | Mortgage lenders | 89% | 316 | 282 |
| St. Lawrence County, NY | Mortgage lenders | 83% | 316 | 259 |
| Monroe County, NY | Mortgage lenders | 86% | 288 | 249 |
| Onondaga County, NY | Mortgage lenders | 88% | 247 | 216 |
| Chautauqua County, NY | Home improvement loans | 77% | 251 | 193 |
| Lackawanna County, PA | Mortgage lenders | 89% | 180 | 160 |
| Luzerne County, PA | Home improvement loans | 71% | 219 | 155 |
| Chautauqua County, NY | Refinance | 79% | 195 | 154 |
| Jefferson County, NY | Mortgage lenders | 81% | 189 | 153 |
The county markets where Community Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Community Bank, National Association
What is Community Bank, National Association's mortgage approval rate?
Community Bank, National Association approved 83.6% of the 7,644 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.3 points above the 79.3% national rate for the same mix of loan types.
How often do borrowers take the loan Community Bank, National Association offers?
Borrowers accepted 99% of the loans Community Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Community Bank, National Association make?
The typical home purchase mortgage loan Community Bank, National Association made was $165K; across all loan types its typical loan ran from $55K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Community Bank, National Association lend?
Community Bank, National Association decided applications in 6 of the states Fat Boy Data covers, most of them in New York, Pennsylvania and Vermont.
Can I apply to Community Bank, National Association directly?
Yes. Community Bank, National Association is a bank or credit union with 269 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Community Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Community Bank, National Association treats applications, then get a rate quote from the lender.