Applications / Mortgage Analytics / Lenders / Pennsylvania / Elderton State Bank
Elderton, PA · State non-member bank · FDIC · $442 million assets · 152 loans in 2025
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152
loans originated, 2025
188
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Elderton State Bank, a small Pennsylvania lender to home buyers, makes far more of its loans in poorer neighborhoods than most similar banks.
Purchases made up 58.6% of its loans and refinancing 26.3%. Every loan was conventional. Its typical loan was $135,000, against $175,000 at similar lenders, state non-member banks making between half and twice as many loans. That was smaller than at about three in four of them.
It made 152 loans in 2025, up 5% from 145, while similar lenders grew by 10%. Its lending has risen in most years since 2018, when it made 96 loans. In Pittsburgh, where it ranked 87 of 571 lenders, its share rose to 0.2% from 0.1%.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 30.3% of its loans, against 17.5% at similar lenders, more than at about four in five. Yet LMI borrowers took 21.2%, down from 34.5% in 2024 and below peers' 28.1%. Its typical loan rose to $135,000 from $95,000, which may mean more buyers with higher incomes. None of its loans went to neighborhoods where most residents are minorities; its markets, Pittsburgh and non-metro Pennsylvania, may have few of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Elderton State Bank took 188 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.6% · Refinance 26.3% · Home improvement 11.8% · Other 3.3%
Conventional 100.0% · of 152 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 |
|---|---|---|
| Pennsylvania | 152 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 95 |
| Johnstown | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FK0S1L00V2UL14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 282824 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312985 | 2004–2017 |
Established 1 October 1919. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Elderton State Bank's data.
Elderton State Bank's data
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Elderton State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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