# Kish Bank

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


Kish Bank is a bank, headquartered in Belleville, PA, serving borrowers across 5 states, with 229 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RIR04Y64SF4306
- **Headquarters:** Belleville, PA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** MD, NC, NY, PA, SC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.051%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $971
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 229
- **Dollar Volume:** $78 million
- **Applications Received:** 284
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $340,633
- **Average Borrower Income:** $166,559
- **Average Property Value:** $448,537

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 206 | -0.048% | $960 | Strong 😀 |
| Jumbo | 71/100 | 17 | -0.090% | $1,099 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 195 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 218 | $75M | -0.045% | Strong 😀 |
| Refinance | 21/100 | 11 | $3M | -0.215% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 225 | 0.19% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 111 | 60/100 |
| State College, PA | PA | 89 | 100/100 |
| Altoona, PA | PA | 17 | 62/100 |

## Where This Lender Ranks

Kish Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in State College, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in State College, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in State College, PA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in State College, PA Banks
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks)
- 🥉 **#3** in State College, PA
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders)
- 🥉 **#3** in Altoona, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Altoona, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Kish Bank offer?

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

### Where does Kish Bank offer mortgages?

Kish Bank offers mortgages in 5 states: MD, NC, NY, PA, SC.

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

Kish Bank has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.051% below market average.

### What type of lender is Kish Bank?

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

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

Kish Bank has a pull-through score of 54/100 (Sound). 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/kish-bank

### How to Cite

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

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