Applications / Mortgage Analytics / Lenders / Pennsylvania / Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
Jonestown, PA · State non-member bank · FDIC · $989 million assets · 129 loans in 2025
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
129
loans originated, 2025
157
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania lends far more often in low- and moderate-income and majority-minority areas than similar lenders do, and its loans rose 19% in 2025.
Of its 129 loans, 33.3% were in low- and moderate-income (LMI) areas, against 17.5% at similar lenders (state non-member banks making between half and twice as many loans), higher than more than four in five of them. Majority-minority areas took 25.6%, against 5.9%, up from 4.8% in 2020. Loans to LMI borrowers were 34.4%.
In Lebanon, PA, where it has lent since at least 1990, it ranked 14 of 213 lenders with 2.2% of lending, against 2.3% the year before. CrossCountry Mortgage led there. Its share in Lancaster, PA rose to 0.3%.
Purchases made up 64.3% of its lending and refinances 31.8%. Almost every loan, 97.7%, was conventional. Its typical loan was $215,000, against $175,000 at similar lenders.
Originations rose 19% to 129, faster than similar lenders' 9% and the whole market's 10%. That is still about a third of the 376 loans it made in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jonestown Bank and Trust Company, of Jonestown, Pennsylvania took 157 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.3% · Refinance 31.8% · Home improvement 3.9%
Conventional 97.7% · FHA 1.6% · VA 0.8% · of 129 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 | 128 | 99.2% |
| Delaware | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lebanon | 63 |
| Lancaster | 27 |
| Harrisburg-Carlisle | 11 |
| York-Hanover | 10 |
| Reading | 8 |
| Montgomery County-Bucks County-Chester County | 3 |
| Allentown-Bethlehem-Easton | 1 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P7T76AWIP6QL35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 653611 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310677 | 1990–2017 |
Established 1 January 1873. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Jonestown Bank and Trust Company, of Jonestown, Pennsylvania's data.
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania's data
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Jonestown Bank and Trust Company, of Jonestown, Pennsylvania 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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