Mortgage lending in Adams County, Pennsylvania
Lenders in Adams County, Pennsylvania reported 4,236 mortgage applications for 2025, according to the CFPB.
4,236 mortgage applications and 2,615 loans originated in 2025; the denial rate was 21.0% of 3,539 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Gettysburg, PA MSA.
- 4,236
- Applications
- 2,615
- Loans originated
- 21.0%
- Denial rate
- 742 denied of 3,539 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,236 | 2,615 |
| 2024 | 3,870 | 2,368 |
| 2023 | 3,793 | 2,203 |
| 2022 | 5,141 | 3,169 |
| 2021 | 7,288 | 4,730 |
| 2020 | 6,498 | 4,151 |
| 2019 | 4,984 | 3,185 |
| 2018 | 4,618 | 2,910 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Members 1ST Fcu | 298 | 487 |
| Acnb Bank | 275 | 382 |
| Rocket Mortgage | 153 | 198 |
| PNC Bank N.A. | 145 | 216 |
| M&T Bank | 83 | 117 |
| Crosscountry Mortgage, LLC | 81 | 102 |
| CMG Mortgage Inc | 76 | 108 |
| Belco Community Credit Union | 65 | 99 |
| United Wholesale Mortgage | 58 | 85 |
| Pennsylvania State Employees Credit Union | 58 | 79 |
| Pennymac Loan Services LLC | 51 | 85 |
| Truist Bank | 50 | 101 |
| Primary Residential Mortgage, INC. | 44 | 56 |
| Bay Capital Mortgage Corporation | 37 | 45 |
| Movement Mortgage, LLC | 36 | 46 |
| NVR Mortgage Finance, Inc. | 36 | 53 |
| Mortgage Research Center | 34 | 66 |
| Integrity Home Mortgage Corporation | 31 | 44 |
| Orrstown Bank | 30 | 42 |
| Guild Mortgage Company | 30 | 40 |
| Newrez LLC | 29 | 61 |
| HomeSale Mortgage | 28 | 33 |
| Fulton Bank, National Association | 28 | 37 |
| Navy Federal Credit Union | 26 | 54 |
| First National Bank of PA | 23 | 27 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 36 | no rate: base under 50 |
| Black or African American | 55 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,564 | 20.6% of 3,016 decided |
| 2 or more minority races | under 10 | |
| Joint | 44 | no rate: base under 50 |
| Race Not Available | 522 | 21.4% of 402 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 117 | 33.0% of 94 decided |
| Not Hispanic or Latino | 3,547 | 20.7% of 3,000 decided |
| Joint | withheld | |
| Ethnicity Not Available | 510 | 21.5% of 391 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,360 | 24.4% of 1,109 decided |
| Female | 811 | 25.1% of 690 decided |
| Joint | 1,746 | 16.3% of 1,512 decided |
| Sex Not Available | 319 | 22.4% of 228 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1050 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved