# The Community Bank

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

The Community Bank is a bank, headquartered in Zanesville, OH, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493007G0MFTSE8JPV83
- **Headquarters:** Zanesville, OH
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.345%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $898
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $29 million
- **Applications Received:** 145
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $233,374
- **Average Borrower Income:** $128,293

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 122 | +0.345% | $898 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 89 loans, Score: 33/100 (Acceptable)
- Refinance: 33 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 89 | $22M | +0.370% | Acceptable 🙂 |
| Refinance | 39/100 | 34 | $7M | +0.287% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 123 | 0.09% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 74 | 56/100 |
| Columbus, OH | OH | 47 | 65/100 |

## Frequently Asked Questions

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

The 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 The Community Bank offer mortgages?

The Community Bank offers mortgages in 1 states: OH.

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

The Community Bank has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.345% above market average.

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

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

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

The Community Bank has a pull-through score of 55/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/the-community-bank

### How to Cite

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

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