Applications / Mortgage Analytics / Lenders / Pennsylvania / Pennian Bank
Mifflintown, PA · State non-member bank · FDIC · $662 million assets · 145 loans in 2025
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145
loans originated, 2025
179
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pennian Bank, a small Pennsylvania bank that lends mostly to home buyers, made 145 loans in 2025, 56% more than in 2024, after two years of decline.
Its loans rose 56%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% in the whole market. That was faster than at about nine in ten of them. It follows a fall from 239 loans in 2022 to 93 in 2024, so it remains below its 2022 level.
Purchases made up 83.4% of its loans and refinances 12.4%. All its lending was conventional, with no government-backed loans. Its typical loan was $205,000, against $175,000 at similar lenders.
Low- and moderate-income (LMI) borrowers took 20.7% of its loans, down from 41.8% in 2024 and below 28.5% at similar lenders, lower than about three in four of them. On 145 loans, a few dozen more or fewer to one group move the share a lot. One year's change may say more about who applied than about any change of approach.
In Pittsburgh its share rose 0.2 points to 0.2%, ranking it 96 of 571 lenders; PNC Bank led there. In Lancaster, where it ranks 265 of 365, its share fell 0.1 points, a move a few loans either way could explain. All its lending is in one state, across 16 counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pennian Bank took 179 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.4% · Refinance 12.4% · Home improvement 2.1% · Other 2.1%
Conventional 100.0% · of 145 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 | 145 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsburgh | 54 |
| Harrisburg-Carlisle | 33 |
| York-Hanover | 13 |
| Gettysburg | 3 |
| State College | 2 |
| Lancaster | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XY9IETIM2DL872 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 212018 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14039 | 1994–2016 |
| Respondent ID (the HMDA filer code before 2018) | 37613 | 2017–2017 |
Established 19 April 1889. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Pennian Bank's data.
Pennian Bank's data
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