# Community Bank

> **Canonical URL:** https://saferate.com/lenders/community-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Community Bank is a bank, headquartered in Carmichaels, PA, serving borrowers across 4 states, with 47 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008JDUT3R3K1LZ58
- **Headquarters:** Carmichaels, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** MD, OH, PA, WV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.357%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $329
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 47
- **Dollar Volume:** $8 million
- **Applications Received:** 65
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $161,170
- **Average Borrower Income:** $95,660
- **Average Property Value:** $232,021

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 45 | +0.351% | $278 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 26 loans, Score: 20/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 28 | $6M | +0.291% | Acceptable 🙂 |
| Refinance | 26/100 | 19 | $1M | +0.437% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 30 | 0.02% | 57/100 |
| WV | 12 | 0.08% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsburgh, PA | PA | 25 | 61/100 |
| Wheeling, WV | WV-OH | 12 | 54/100 |

## Where This Lender Ranks

Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Wheeling, WV for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Wheeling, WV for Conventional Loans
  - [View Full Rankings](https://saferate.com/wheeling-wv/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Community Bank offer?

Community Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community Bank offer mortgages?

Community Bank offers mortgages in 4 states: MD, OH, PA, WV.

### How competitive are Community Bank's mortgage rates?

Community Bank has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.357% above market average.

### What type of lender is Community Bank?

Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Carmichaels, PA.

### What is Community Bank's loan approval success rate?

Community Bank has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-bank

### How to Cite

> "Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-bank

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