PennCrest Bank mortgage approval rate & lending review
PennCrest Bank decided 481 mortgage applications and funded 416 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PennCrest Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PennCrest Bank at a glance
Approval is 11.6 points above the 76.6% 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 | 88% | 146 / 166 | 98% | $125K | 143 |
| Home improvement loans | 91% | 131 / 144 | 100% | $35K | 131 |
| Refinance | 86% | 107 / 124 | 97% | $65K | 104 |
| Investment property purchase | 80% | 24 / 30 | 92% | $55K | 22 |
PennCrest Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 88% | $65K | 481 | 416 |
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 PennCrest Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cambria County, PA | Mortgage lenders | 91% | 120 | 108 |
| Cambria County, PA | Home improvement loans | 90% | 81 | 73 |
| Cambria County, PA | Refinance | 86% | 71 | 60 |
| Blair County, PA | Home improvement loans | 93% | 59 | 55 |
| Blair County, PA | Refinance | 87% | 52 | 43 |
| Blair County, PA | Mortgage lenders | 79% | 42 | 31 |
The county markets where PennCrest Bank made the most loans. Each link opens that market with every lender ranked.
Questions about PennCrest Bank
What is PennCrest Bank's mortgage approval rate?
PennCrest Bank approved 88.1% of the 481 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 76.6% national rate for the same mix of loan types.
How often do borrowers take the loan PennCrest Bank offers?
Borrowers accepted 98% of the loans PennCrest Bank 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 PennCrest Bank make?
The typical home purchase mortgage loan PennCrest Bank made was $125K; across all loan types its typical loan ran from $35K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PennCrest Bank lend?
PennCrest Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to PennCrest Bank directly?
Yes. PennCrest Bank is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PennCrest 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 PennCrest Bank treats applications, then get a rate quote from the lender.