Applications / Mortgage Analytics / Lenders / Pennsylvania / Linkbank
Camp Hill, PA · State non-member bank · FDIC · $3.1 billion assets · 369 loans in 2025
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369
loans originated, 2025
527
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Linkbank, a Pennsylvania bank, made 37% more loans in 2025 than in 2024, faster growth than about nine in ten similar banks, and its loans keep getting bigger.
It made 369 loans, against 270 a year earlier. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%. The money it lent, $159.3 million, was about three times the $54.3 million of five years earlier, as its typical loan rose from $135,000 to $235,000.
Its typical loan of $235,000 compares with $175,000 at peers, and 4.5% of its loans were jumbo (larger than the conforming limit), against 1.4%. Home purchases made up 45.5% of its loans. Almost all were conventional; 3.5% were FHA loans (insured by the Federal Housing Administration).
Low- and moderate-income (LMI) neighborhoods took 22.1% of its loans, against 16.5% at peers. Majority-minority areas took 16.3%, against 6.7%, more than about three in four similar lenders. Five years earlier the figure was 6.8%.
In Harrisburg-Carlisle, PA, where it has lent since at least 1990, it ranked 34 of 396 lenders with 0.7% of the market, up 0.2 points; Members 1st Federal Credit Union led. In Lancaster, PA its share rose 0.2 points to 0.4%. It now lends in 8 states, and entered Hilton Head Island-Bluffton-Port Royal, SC in 2021.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Linkbank took 527 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.5% · Refinance 27.9% · Home improvement 17.6% · Other 8.9%
Conventional 95.7% · FHA 3.5% · VA 0.8% · of 369 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 | 197 | 53.4% |
| Virginia | 84 | 22.8% |
| Maryland | 50 | 13.6% |
| Delaware | 27 | 7.3% |
| New Jersey | 5 | 1.4% |
| District of Columbia | 3 | 0.8% |
| South Carolina | 2 | 0.5% |
| Florida | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 74 |
| Arlington-Alexandria-Reston | 66 |
| Lancaster | 30 |
| Montgomery County-Bucks County-Chester County | 23 |
| York-Hanover | 20 |
| Salisbury | 17 |
| Baltimore-Columbia-Towson | 13 |
| Philadelphia | 11 |
| Washington | 9 |
| Richmond | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J0CKZA0PR2DX58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 557317 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114301 | 1990–2011 |
| Respondent ID (the HMDA filer code before 2018) | 314863 | 2012–2017 |
Established 3 November 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Linkbank's data.
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