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 score and performance metrics.

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 an overall pricing score of 74.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Mid Penn Bank?

Mid Penn Bank is a Bank headquartered in Millersburg, PA.

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Mid Penn Bank

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Mid Penn Bank has 346 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 5 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Mid Penn Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+12.7 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 6 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Acceptable	295	85.3%	+0.090%Above	$1,169Fees
FHA Loans	Strong	Sound	Strong	Sound	37	10.7%	+0.384%Above	$1,302Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume295

Mix85.3%

Spread

+0.090%Above

Fees

$1,169Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume37

Mix10.7%

Spread

+0.384%Above

Fees

$1,302Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	312	90.2%	+0.133%Above	$1,183Fees
Refinance	Acceptable	Acceptable	—	Acceptable	34	9.8%	+0.069%Above	$1,116Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume312

Mix90.2%

Spread

+0.133%Above

Fees

$1,183Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume34

Mix9.8%

Spread

+0.069%Above

Fees

$1,116Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

346

Applications

512

Volume

$123 million

Pricing & Closing

Avg Rate Spread

+0.127%

vs. market APOR

Avg Net Fees

$1,177

Origination − Credits

Pullthrough Rate

67.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$357,139

Avg Borrower Income

$184,422

Avg Property Value

$485,145

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast2

NJPA

Midwest1

South4

DCDEFLMD

West1

Top Metro Areas by Place Specialization Score

Montgomery County, PAMetro

Volume 89Mix 25.72% of portfolio

75/100

Strong

Philadelphia, PAMetro

Volume 79Mix 22.83% of portfolio

73/100

Strong

Harrisburg, PAMetro

Volume 45Mix 13.01% of portfolio

70/100

Strong

Lakewood, NJMetro

Volume 25Mix 7.23% of portfolio

54/100

Sound

Lancaster, PAMetro

Volume 16Mix 4.62% of portfolio

52/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 289Mix 83.53% of portfolio

79/100

Strong

New JerseyState

Volume 40Mix 11.56% of portfolio

57/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.