Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Adams County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Adams County, home to Gettysburg, between 2023 and 2025: 8,145 applications, 6,110 loans actually funded, across 8 kinds of borrowing.
Adams County at a glance
8,145Applications decided
2023–2025
6,110Loans funded
75% of decisions
27Census tracts
10 ZIP codes
105,183People
ACS 2023
What the data shows
The typical purchase mortgage here is $265K.
Lending by loan type in Adams County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.8% | 3,688 | $265K | 95% | 234 |
| Home improvement loans | 67.5% | 1,581 | $55K | 93% | 75 |
| Cash-out refinance | 66.2% | 943 | $165K | 94% | 116 |
| Refinance | 78.6% | 1,463 | $105K | 94% | 118 |
| Investment property purchase | 86.7% | 286 | $195K | 93% | 100 |
| Investment cash-out refinance | 68.1% | 47 | $185K | 81% | 30 |
| Investment refinance | 92.1% | 89 | $205K | 95% | 24 |
| Investment home improvement | 52.1% | 48 | $105K | 100% | 21 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.