PlainLender

The Community Bank

Zanesville, OH

The Community Bank processed 326 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 243 loans with a 11.0% denial rate. Home Purchase was the primary loan purpose. Based in Zanesville, OH. The approval rate of 74.5% 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. The Community Bank processed 326 HMDA-reported mortgage applications in 2024, originating 243 loans and denying 36 for a denial rate of 11.0% (applicants themselves withdrew 47 files before a decision). The average loan amount was $194,018 at a 7.614% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 5493007G0MFTSE8JPV83 from Zanesville, OH.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. The Community Bank's 74.5% origination rate tells you how often an application turned into funded money; the 11.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Collateral, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (326 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.

326
Applications
243
Originated
11.0%
Denial Rate
$194,018
Avg Loan Amount
Avg Interest Rate: 7.614% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 326 243 36 $194,018

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for The Community Bank (LEI: 5493007G0MFTSE8JPV83) · 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
20
Collateral
6
Debt-to-income ratio
6
Insufficient cash
6
Other
3
Unverifiable information
2
Employment history
2
Credit application incomplete
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 171 133 $230,906
Cash-out Refinancing 104 72 $139,712
Refinancing 41 32 $159,390
Other 9 5 $238,333
Home Improvement 1 1 $555,000

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 244 72.1% 13.5%
Black or African American 3 100.0% 0.0%
American Indian or Alaska Native 1 0.0% 100.0%
Asian 1 100.0% 0.0%
Joint 1 0.0% 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 246 72.0% 13.8%
Hispanic or Latino 2 100.0% 0.0%
Joint 1 0.0% 0.0%

Nearby Lenders in OH

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

US BANK, N.A.

CINCINNATI, OH

202,480 apps 74,512 originated 26.8% denied

CROSSCOUNTRY MORTGAGE, LLC

Cleveland, OH

157,258 apps 101,894 originated 2.4% denied

JPMorgan Chase Bank, NA

Columbus, OH

150,113 apps 80,744 originated 8.1% denied

Huntington National Bank

Columbus, OH

99,675 apps 52,025 originated 28.8% denied

Fifth Third Bank, National Association

Cincinnati, OH

64,220 apps 30,494 originated 23.9% denied
Compare The Community Bank vs US BANK, N.A. →

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 The Community Bank process?
The Community Bank processed 326 mortgage applications in the 2023 HMDA reporting year. Of these, 243 were originated (approved and funded), 47 were withdrawn by the applicant, and 36 were denied.
What is The Community Bank's mortgage approval rate?
The Community Bank has an approval (origination) rate of 74.5%, meaning 74.5% of all applications resulted in a funded mortgage. The denial rate is 11.0%.
What is the average loan amount at The Community Bank?
The average mortgage loan amount at The Community Bank is $194,018. The average interest rate is 7.614%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at The Community Bank?
The most common reasons for mortgage denial at The Community Bank are: Credit history, Collateral, Debt-to-income ratio. In total, 36 applications were denied out of 326 total applications.
What types of mortgage loans does The Community Bank offer?
The Community Bank processes Conventional loans. The most common type is Conventional with 326 applications and an average loan amount of $194,018.
What loan purposes does The Community Bank serve?
The Community Bank serves the following loan purposes: Home Purchase (171 applications), Cash-out Refinancing (104 applications), Refinancing (41 applications), Other (9 applications), Home Improvement (1 applications). Home Purchase is the most common purpose.
Where is The Community Bank located?
The Community Bank is headquartered in Zanesville, OH. The lender is identified by LEI 5493007G0MFTSE8JPV83 in HMDA data.
How does The Community Bank compare in lending across racial demographics?
The Community Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 72.1% and denial rate of 13.5%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%; American Indian or Alaska Native applicants have an approval rate of 0.0% and denial rate of 100.0%. 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.