# Penn Community Bank

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


Penn Community Bank is a bank, headquartered in Doylestown, PA, serving borrowers across 3 states, with 118 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 48% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300L3C3LKXG2XBS96
- **Headquarters:** Doylestown, PA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, NJ, PA
- **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: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.189%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $365
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 118
- **Dollar Volume:** $38 million
- **Applications Received:** 159
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $320,000
- **Average Borrower Income:** $190,822
- **Average Property Value:** $475,339

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 112 | +0.217% | $375 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 90 loans, Score: 34/100 (Acceptable)
- Refinance: 22 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 96 | $33M | +0.146% | Acceptable 🙂 |
| Refinance | 37/100 | 22 | $5M | +0.382% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 112 | 0.09% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 63 | 73/100 |
| Philadelphia, PA | PA | 28 | 61/100 |
| Allentown | PA-NJ | 17 | 55/100 |

## Where This Lender Ranks

Penn Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Montgomery County for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#19** in Montgomery County Banks
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Penn Community Bank offer?

Penn 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 Penn Community Bank offer mortgages?

Penn Community Bank offers mortgages in 3 states: FL, NJ, PA.

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

Penn Community 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 0.189% above market average.

### What type of lender is Penn Community Bank?

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

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

Penn Community Bank has a pull-through score of 52/100 (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/penn-community-bank

### How to Cite

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

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