Penn Community Bank
Perkasie, PA · What the federal mortgage record shows about how Penn Community Bank treated New Jersey applicants, 2018–2025 — 203 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 203 New Jersey applications Penn Community Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Penn Community Bank’s rates ran -0.10 pp lower than the typical New Jersey lender (average rate spread +0.12 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Penn Community Bank approves
Why Penn Community Bank denied applications
Where Penn Community Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Cape May County | 58 | 91.4% |
| Hunterdon County | 30 | 86.7% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Penn Community Bank’s home-purchase originations — 1.08 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Penn Community Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Penn Community Bank (LEI 549300L3C3LKXG2XBS96). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →