Susquehanna Community Bank
West Milton, PA
Susquehanna Community Bank processed 197 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 169 loans with a 6.1% denial rate. Home Purchase was the primary loan purpose. Based in West Milton, PA. The approval rate of 85.8% 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. Susquehanna Community Bank processed 197 HMDA-reported mortgage applications in 2024, originating 169 loans and denying 12 for a denial rate of 6.1% (applicants themselves withdrew 13 files before a decision). The average loan amount was $248,147. The lender reports under LEI 549300T3Z5LVF06QVK79 from West Milton, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Susquehanna Community Bank's 85.8% origination rate tells you how often an application turned into funded money; the 6.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (190 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.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 190 | 164 | 11 | $251,737 |
| USDA | 5 | 5 | 0 | $141,000 |
| FHA | 1 | 0 | 1 | $135,000 |
| VA | 1 | 0 | 0 | $215,000 |
Top loan types — Susquehanna Community Bank
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Susquehanna Community Bank (LEI: 549300T3Z5LVF06QVK79) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 147 | 127 | $229,286 |
| Cash-out Refinancing | 18 | 15 | $427,222 |
| Home Improvement | 14 | 10 | $420,000 |
| Other | 12 | 12 | $63,333 |
| Refinancing | 6 | 5 | $141,667 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 157 | 87.3% | 4.5% |
| Black or African American | 2 | 0.0% | 100.0% |
| Asian | 1 | 100.0% | 0.0% |
| Native Hawaiian or Other Pacific Islander | 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 | 152 | 86.8% | 4.6% |
| Hispanic or Latino | 7 | 57.1% | 42.9% |
| Joint | 2 | 100.0% | 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
PNC BANK N.A.
Pittsburgh, PA
SPRING EQ, LLC
RADNOR, PA
NVR MORTGAGE FINANCE, INC.
PITTSBURGH, PA
FIRST NATIONAL BANK OF PA
PITTSBURGH, PA
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Frequently Asked Questions
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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.