refinance lenders · HMDA 2023–2025

Refinance lenders in Adams County, Pennsylvania

Fat Boy Data analyzed mortgage refinance activity in Adams County, Pennsylvania, home to Gettysburg, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,463 applications were decided by 118 lenders between 2023 and 2025.

Adams County at a glance

118Active lenders12 with 20+ decisions
78.6%Market approval rate1,150 of 1,463 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,086 loans funded

How Adams County compares

Approval rate compared
Adams County78.6%Pennsylvania75.8%All 616 counties76.5%
Typical loan compared
Adams County$105KPennsylvania$115KAll 616 counties$295K

What the data shows

ACNB Bank made the most mortgage refinances in Adams County, PA, 212 of them.

Pennsylvania State Employees Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 96% of 23.

Approval rate of all 12 lenders with 20+ decisions here
0%25%50%75%100%One lender: 30% approved of 27One lender: 55% approved of 22Truist Bank: 67% approved of 88One lender: 74% approved of 23Members 1St: 74% approved of 283ACNB Bank: 80% approved of 286One lender: 82% approved of 57One lender: 85% approved of 33PNC Bank, National Association: 86% approved of 170Manufacturers and Traders Trust Company: 89% approved of 71One lender: 89% approved of 57One lender: 96% approved of 23

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Adams County

LenderApprovalApprovedTaken upTypical loanLoans made
1ACNB Bank80%230 / 28692%$105K212
2Members 1St74%210 / 28397%$95K204
3PNC Bank, National Association86%146 / 17097%$105K141
4Truist Bank67%59 / 8892%$105K54
5Manufacturers and Traders Trust Company89%63 / 7198%$105K62

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 113 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Adams County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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