# Traditions Bank

> **Canonical URL:** https://saferate.com/lenders/traditions-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


Traditions Bank is a bank, headquartered in York, PA, serving borrowers across 11 states, with 801 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300WIBPMHJJ84YQ06
- **Headquarters:** York, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** DE, FL, KY, MD, NJ, NY, PA, SC, TN, VA, WV
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.198%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,805
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 801
- **Dollar Volume:** $225 million
- **Applications Received:** 904
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $280,943
- **Average Borrower Income:** $131,064
- **Average Property Value:** $357,060

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 673 | +0.208% | $1,809 | Strong 😀 |
| FHA | 71/100 | 101 | +0.225% | $1,666 | Strong 😀 |
| VA | 66/100 | 23 | -0.246% | $1,729 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 637 loans, Score: 77/100 (Strong)
- Refinance: 36 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 95 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 23 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 759 | $215M | +0.202% | Strong 😀 |
| Refinance | 56/100 | 42 | $10M | +0.139% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 768 | 0.63% | 88/100 |
| MD | 15 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| York | PA | 569 | 100/100 |
| Gettysburg, PA | PA | 71 | 100/100 |
| Lancaster, PA | PA | 52 | 71/100 |
| Harrisburg | PA | 43 | 66/100 |
| Non |  | 15 | 23/100 |
| Baltimore | MD | 10 | 39/100 |

## Where This Lender Ranks

Traditions Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Pennsylvania for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in York
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders)
- 🥇 **#1** in York Banks
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks)
- 🥇 **#1** in York for FHA Loans
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in York for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in York for VA Loans
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/va-loans)
- 🥇 **#1** in York for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Gettysburg, PA
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders)
- 🥇 **#1** in Gettysburg, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Gettysburg, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lancaster, PA Banks
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks)
- 🥇 **#1** in Lancaster, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Lancaster, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Harrisburg Banks
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks)
- 🥈 **#2** in Pennsylvania Banks
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks)
- 🥈 **#2** in York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Gettysburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Gettysburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Lancaster, PA
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders)
- 🥉 **#3** in Pennsylvania
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Traditions Bank offer?

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

### Where does Traditions Bank offer mortgages?

Traditions Bank offers mortgages in 11 states: DE, FL, KY, MD, NJ, NY, PA, SC, TN, VA, WV.

### How competitive are Traditions Bank's mortgage rates?

Traditions Bank has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.198% above market average.

### What type of lender is Traditions Bank?

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

### What is Traditions Bank's loan approval success rate?

Traditions Bank has a pull-through score of 80/100 (Exceptional). 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/traditions-bank

### How to Cite

> "Traditions Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/traditions-bank

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