PlainLender

KISH BANK

BELLEVILLE, PA

KISH BANK processed 755 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 632 loans with a 6.1% denial rate. Home Purchase was the primary loan purpose. Based in BELLEVILLE, PA. The approval rate of 83.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. KISH BANK processed 755 HMDA-reported mortgage applications in 2024, originating 632 loans and denying 46 for a denial rate of 6.1% (applicants themselves withdrew 63 files before a decision). The average loan amount was $234,656 at a 7.443% average note rate, and applicants self-reported an average income of $30,000. The lender reports under LEI 549300RIR04Y64SF4306 from BELLEVILLE, PA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. KISH BANK's 83.7% origination rate tells you how often an application turned into funded money; the 6.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (743 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

755
Applications
632
Originated
6.1%
Denial Rate
$234,656
Avg Loan Amount
Avg Interest Rate: 7.443% Avg Applicant Income: $30,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 743 626 41 $236,306
USDA 12 6 5 $132,500

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for KISH BANK (LEI: 549300RIR04Y64SF4306) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
21
Debt-to-income ratio
16
Collateral
10
Unverifiable information
2
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 415 350 $277,096
Home Improvement 137 117 $264,927
Other 108 80 $97,037
Cash-out Refinancing 82 78 $136,098
Refinancing 13 7 $325,769

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 576 82.6% 6.9%
Joint 12 91.7% 0.0%
Asian 5 80.0% 0.0%
2 or more minority races 1 100.0% 0.0%
American Indian or Alaska Native 1 0.0% 100.0%
Black or African American 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 571 82.7% 7.0%
Hispanic or Latino 8 75.0% 0.0%
Joint 4 75.0% 0.0%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

NEWREZ LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

PNC BANK N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

SPRING EQ, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

NVR MORTGAGE FINANCE, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

FIRST NATIONAL BANK OF PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare KISH BANK vs NEWREZ LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did KISH BANK process?
KISH BANK processed 755 mortgage applications in the 2023 HMDA reporting year. Of these, 632 were originated (approved and funded), 63 were withdrawn by the applicant, and 46 were denied.
What is KISH BANK's mortgage approval rate?
KISH BANK has an approval (origination) rate of 83.7%, meaning 83.7% of all applications resulted in a funded mortgage. The denial rate is 6.1%.
What is the average loan amount at KISH BANK?
The average mortgage loan amount at KISH BANK is $234,656. The average interest rate is 7.443%. The average applicant income is $30,000.
What are the most common reasons for mortgage denial at KISH BANK?
The most common reasons for mortgage denial at KISH BANK are: Credit history, Debt-to-income ratio, Collateral. In total, 46 applications were denied out of 755 total applications.
What types of mortgage loans does KISH BANK offer?
KISH BANK processes Conventional, USDA loans. The most common type is Conventional with 743 applications and an average loan amount of $236,306.
What loan purposes does KISH BANK serve?
KISH BANK serves the following loan purposes: Home Purchase (415 applications), Home Improvement (137 applications), Other (108 applications), Cash-out Refinancing (82 applications), Refinancing (13 applications). Home Purchase is the most common purpose.
Where is KISH BANK located?
KISH BANK is headquartered in BELLEVILLE, PA. The lender is identified by LEI 549300RIR04Y64SF4306 in HMDA data.
How does KISH BANK compare in lending across racial demographics?
KISH BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 82.6% and denial rate of 6.9%; Joint applicants have an approval rate of 91.7% and denial rate of 0.0%; Asian applicants have an approval rate of 80.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.