Applications / Mortgage Analytics / Lenders / Maryland / Middletown Valley Bank
Middletown, MD · State non-member bank · FDIC · $1.1 billion assets · 116 loans in 2025
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116
loans originated, 2025
135
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Middletown Valley Bank is a Maryland bank that makes big loans: its typical mortgage was $445,000, larger than at almost every similar bank, and a fifth of its lending was jumbo.
Its typical loan of $445,000 compares with $175,000 at similar banks (state non-member banks making between half and twice as many loans). Jumbo loans (larger than the conforming limit) were 19.6% of its lending, against 1.5% at peers. Most of its business, 83.6%, was home purchases.
It made 116 loans, up 35% from 86, while similar banks grew 9%. Because its loans are large, its dollar volume rose to $63.3 million, more than about nine in ten similar banks lent.
Low- and moderate-income (LMI) borrowers took 11.0% of its loans, against 27.9% at similar banks, among the lowest tenth. LMI neighborhoods took 9.5%, against 18.1%. A book of large purchase loans is one possible reason; the markets it serves may be another.
In Chambersburg its share rose to 0.7% from 0.3%, ranking it 35 of 228; Farmers and Merchants Trust Company of Chambersburg leads. In Hagerstown-Martinsburg, where it has lent since at least 1990, its share held at 0.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Middletown Valley Bank took 135 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.6% · Refinance 12.1% · Home improvement 2.6% · Other 1.7%
Conventional 100.0% · of 116 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 | 77 | 66.4% |
| Pennsylvania | 25 | 21.6% |
| West Virginia | 6 | 5.2% |
| Florida | 4 | 3.4% |
| District of Columbia | 1 | 0.9% |
| North Carolina | 1 | 0.9% |
| South Carolina | 1 | 0.9% |
| Virginia | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chambersburg | 20 |
| Hagerstown-Martinsburg | 20 |
| Frederick-Gaithersburg-Bethesda | 13 |
| Harrisburg-Carlisle | 4 |
| Baltimore-Columbia-Towson | 2 |
| Morgantown | 2 |
| Washington | 2 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Gettysburg | 1 |
| Jacksonville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002YYAGPQ7L1YS68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 41825 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314017 | 1990–2017 |
Established 4 January 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Middletown Valley Bank's data.
Middletown Valley Bank's data
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Middletown Valley 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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