Applications / Mortgage Analytics / Lenders / Pennsylvania / Meridian Bank
Wayne, PA · State non-member bank · FDIC · $2.6 billion assets · 2,560 loans in 2025
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2,560
loans originated, 2025
3,346
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Meridian Bank, a Pennsylvania bank that makes more of its loans in Maryland than in any other state, makes far more FHA and VA loans than similar banks and lends to low- and moderate-income borrowers and areas more than nearly all of them.
FHA loans (insured by the Federal Housing Administration) were 27.4% of originations, against 3.5% for similar lenders (state non-member banks making between half and twice as many loans), the highest among them. VA loans (guaranteed by the Department of Veterans Affairs) were 7.9% against 1.0%. Home purchase made up 80.2% of its loans, and its typical loan, $305,000, was larger than about nine in ten similar lenders.
Low- and moderate-income (LMI) borrowers took 41.2% of its loans and LMI tracts 25.1%, both higher than nearly all similar lenders. Majority-minority tracts took 30.8% against 8.8%.
Originations fell 7% to 2,560, among the lowest of similar lenders, whose typical growth was 13%, while the whole market grew 10%. Volume was 8,096 in 2020. One possibility is a choice of where to lend: its Baltimore share fell to 0.9% from 1.4% while its Dover share rose to 3.4% from 2.6%, and it entered three new metros in 2025.
It ranks 21 of 784 in Philadelphia, 28 of 592 in Baltimore and 7 of 274 in Dover, across 35 states. It turned down 3.6% of first-lien home-purchase applications and 3.7% of refinance applications, against 6.8% and 18.0% for similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Meridian Bank took 3,346 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.2% · Refinance 10.2% · Home improvement 6.4% · Other 3.1%
Conventional 63.6% · FHA 27.4% · VA 7.9% · USDA (RHS or FSA) 1.1% · of 2,560 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 838 | 32.7% |
| Pennsylvania | 652 | 25.5% |
| Delaware | 640 | 25.0% |
| New Jersey | 226 | 8.8% |
| Virginia | 47 | 1.8% |
| Florida | 31 | 1.2% |
| North Carolina | 22 | 0.9% |
| Indiana | 11 | 0.4% |
| South Carolina | 11 | 0.4% |
| Georgia | 10 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 550 |
| Wilmington | 363 |
| Philadelphia | 276 |
| Montgomery County-Bucks County-Chester County | 241 |
| Dover | 133 |
| Washington | 130 |
| Camden | 91 |
| Frederick-Gaithersburg-Bethesda | 64 |
| Atlantic City-Hammonton | 44 |
| Lancaster | 38 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 635400IW1QMK3FNFF894 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3271799 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357777 | 2005–2017 |
Established 8 July 2004. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Meridian Bank's data.
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