# Mid Penn Bank

> **Canonical URL:** https://saferate.com/lenders/mid-penn-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Mid Penn Bank is a bank, headquartered in Millersburg, PA, serving borrowers across 8 states, with 346 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 54% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900L0MIAM922ZEC34
- **Headquarters:** Millersburg, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** DC, DE, FL, MD, NJ, NV, OH, PA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.127%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,177
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 346
- **Dollar Volume:** $124 million
- **Applications Received:** 512
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $357,139
- **Average Borrower Income:** $184,422
- **Average Property Value:** $485,145

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 295 | +0.090% | $1,169 | Sound ☺️ |
| FHA | 58/100 | 37 | +0.384% | $1,302 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 263 loans, Score: 51/100 (Sound)
- Refinance: 32 loans, Score: 39/100 (Acceptable)

**FHA:**
- Purchase: 36 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 312 | $114M | +0.133% | Sound ☺️ |
| Refinance | 36/100 | 34 | $10M | +0.069% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 289 | 0.24% | 79/100 |
| NJ | 40 | 0.05% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 89 | 75/100 |
| Philadelphia, PA | PA | 79 | 73/100 |
| Harrisburg | PA | 45 | 70/100 |
| Non |  | 33 | 38/100 |
| Lakewood | NJ | 25 | 54/100 |
| Lancaster, PA | PA | 16 | 52/100 |

## Where This Lender Ranks

Mid Penn Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Montgomery County for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#12** in Harrisburg Banks
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks)
- 🏆 **#14** in Philadelphia, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#16** in Philadelphia, PA Banks
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks)
- 🏆 **#17** in Montgomery County Banks
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks)
- 🏆 **#17** in Harrisburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Pennsylvania for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#20** in Lancaster, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Mid Penn Bank offer?

Mid Penn Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Mid Penn Bank offer mortgages?

Mid Penn Bank offers mortgages in 8 states: DC, DE, FL, MD, NJ, NV, OH, PA.

### How competitive are Mid Penn Bank's mortgage rates?

Mid Penn Bank has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.127% above market average.

### What type of lender is Mid Penn Bank?

Mid Penn Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Millersburg, PA.

### What is Mid Penn Bank's loan approval success rate?

Mid Penn Bank has a pull-through score of 46/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mid-penn-bank

### How to Cite

> "Mid Penn Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mid-penn-bank

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