Penn Community Bank mortgage approval rate & lending review
Penn Community Bank decided 1,449 mortgage applications and funded 1,238 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Penn Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Penn Community Bank at a glance
Approval is 12.6 points above the 76.0% 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 | 96% | 396 / 411 | 95% | $255K | 378 |
| Home improvement loans | 83% | 350 / 422 | 96% | $75K | 337 |
| Cash-out refinance | 86% | 24 / 28 | 100% | $225K | 24 |
| Refinance | 87% | 371 / 427 | 98% | $105K | 362 |
| Investment property purchase | 94% | 101 / 108 | 96% | $225K | 97 |
| Investment refinance | 87% | 26 / 30 | 96% | $205K | 25 |
Penn Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 89% | $105K | 1,389 | 1,189 |
| New Jersey | 91% | $205K | 55 | 45 |
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 Penn Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bucks County, PA | Refinance | 89% | 332 | 289 |
| Bucks County, PA | Home improvement loans | 85% | 309 | 255 |
| Bucks County, PA | Mortgage lenders | 95% | 203 | 186 |
| Montgomery County, PA | Home improvement loans | 85% | 48 | 38 |
| Montgomery County, PA | Refinance | 86% | 43 | 37 |
| Bucks County, PA | Investment property purchase | 92% | 36 | 32 |
| Bucks County, PA | Cash-out refinance | 86% | 22 | 19 |
The county markets where Penn Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Penn Community Bank
What is Penn Community Bank's mortgage approval rate?
Penn Community Bank approved 88.6% of the 1,449 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.6 points above the 76.0% national rate for the same mix of loan types.
How often do borrowers take the loan Penn Community Bank offers?
Borrowers accepted 96% of the loans Penn Community Bank approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Penn Community Bank make?
The typical mortgage refinance loan Penn Community Bank made was $105K; across all loan types its typical loan ran from $75K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Penn Community Bank lend?
Penn Community Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Florida.
Can I apply to Penn Community Bank directly?
Yes. Penn Community Bank is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Penn Community Bank'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 Penn Community Bank treats applications, then get a rate quote from the lender.