What loan types does Community Bank offer?

Community Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 49.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Community Bank?

Community Bank is a Bank headquartered in Carmichaels, PA.

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Community Bank

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Community Bank has 47 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Community Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+35.7 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

45 loans · 0.35% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

28 loans · 0.29% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

19 loans · 0.44% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Sound	Sound	45	95.7%	+0.351%Above	$278Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume45

Mix95.7%

Spread

+0.351%Above

Fees

$278Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	28	59.6%	+0.291%Above	$957Fees
Refinance	Acceptable	Acceptable	Sound	Sound	19	40.4%	+0.437%Above	$425Credit

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume28

Mix59.6%

Spread

+0.291%Above

Fees

$957Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume19

Mix40.4%

Spread

+0.437%Above

Fees

$425Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$7 million

Pricing & Closing

Avg Rate Spread

+0.357%

vs. market APOR

Avg Net Fees

$329

Origination − Credits

Pullthrough Rate

72.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$161,170

Avg Borrower Income

$95,660

Avg Property Value

$232,021

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast1

Midwest1

South2

MDWV

Top Metro Areas by Place Specialization Score

Pittsburgh, PAMetro

Volume 25Mix 53.19% of portfolio

61/100

Strong

Wheeling, WV, WV-OHMetro

Volume 12Mix 25.53% of portfolio

54/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 30Mix 63.83% of portfolio

57/100

Sound

West VirginiaState

Volume 12Mix 25.53% of portfolio

51/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.