Mid Penn Bank mortgage approval rate & lending review
Mid Penn Bank decided 2,533 mortgage applications and funded 2,055 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mid Penn Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mid Penn Bank at a glance
Approval is 3.7 points above the 79.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 1,015 / 1,113 | 99% | $305K | 1,004 |
| Home improvement loans | 63% | 336 / 531 | 98% | $45K | 330 |
| Cash-out refinance | 75% | 38 / 51 | 97% | $165K | 37 |
| Refinance | 76% | 264 / 348 | 99% | $85K | 261 |
| Investment property purchase | 95% | 328 / 345 | 95% | $175K | 311 |
| Investment refinance | 90% | 65 / 72 | 95% | $225K | 62 |
| Investment home improvement | 72% | 43 / 60 | 91% | $145K | 39 |
Mid Penn Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 83% | $205K | 2,257 | 1,828 |
| New Jersey | 80% | $295K | 191 | 146 |
| Delaware | 94% | $345K | 32 | 30 |
| Florida | 97% | $345K | 30 | 29 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mid Penn Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, PA | Mortgage lenders | 94% | 169 | 158 |
| Delaware County, PA | Mortgage lenders | 96% | 152 | 144 |
| Dauphin County, PA | Mortgage lenders | 92% | 123 | 113 |
| Chester County, PA | Mortgage lenders | 100% | 87 | 87 |
| Lancaster County, PA | Mortgage lenders | 88% | 86 | 75 |
| Dauphin County, PA | Home improvement loans | 67% | 106 | 70 |
| Schuylkill County, PA | Home improvement loans | 60% | 111 | 67 |
| Dauphin County, PA | Refinance | 79% | 84 | 65 |
| Cumberland County, PA | Mortgage lenders | 97% | 67 | 63 |
| Schuylkill County, PA | Mortgage lenders | 80% | 74 | 58 |
| Schuylkill County, PA | Refinance | 73% | 74 | 54 |
| Cumberland County, PA | Investment property purchase | 98% | 45 | 44 |
The county markets where Mid Penn Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Mid Penn Bank
What is Mid Penn Bank's mortgage approval rate?
Mid Penn Bank approved 82.9% of the 2,533 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.7 points above the 79.2% national rate for the same mix of loan types.
How often do borrowers take the loan Mid Penn Bank offers?
Borrowers accepted 98% of the loans Mid Penn Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mid Penn Bank make?
The typical home purchase mortgage loan Mid Penn Bank made was $305K; across all loan types its typical loan ran from $45K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mid Penn Bank lend?
Mid Penn Bank decided applications in 15 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to Mid Penn Bank directly?
Yes. Mid Penn Bank is a bank or credit union with 67 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mid Penn Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mid Penn Bank treats applications, then get a rate quote from the lender.