Applications / Mortgage Analytics / Lenders / Pennsylvania / Foote Capital Mortgage Company
Carlisle, PA · Independent non-bank lender · CFPB · 98 loans in 2025
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98
loans originated, 2025
116
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Foote Capital Mortgage Company is a home-purchase lender based in Carlisle, Pennsylvania, ranking 35 of 396 lenders in Harrisburg-Carlisle.
Purchases made up 92.9% of its 98 loans and refinances 7.1%. Loans guaranteed by the Department of Veterans Affairs (VA) were 6.1%, against 0.7% at similar lenders, which are independent non-bank lenders making between half and twice as many loans. Loans insured by the Federal Housing Administration (FHA) were also 6.1%, against 15.0%. Its typical loan, $255,000, was smaller than their $305,000.
35.7% of its loans went to low- and moderate-income (LMI) borrowers, against 19.5% at similar lenders, higher than about four in five of them. Only 3.1% were in majority-minority neighborhoods, against 25.4%. It lends mainly in Harrisburg-Carlisle, York-Hanover, Chambersburg and Gettysburg, and how many such neighborhoods those markets hold would govern that share.
It filed no report for 2024, so its 2025 market shares cannot be compared with that year. It made 309 loans in 2020 and 66 in 2023; its typical rate was 2.88% in 2020 and 6.50% in 2025, and higher rates may have thinned its pipeline of buyers. None of its loans was higher-priced, meaning a rate well above the average for similar loans, and its typical rate, 6.50%, was a little lower than similar lenders' 6.62%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Foote Capital Mortgage Company took 116 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.9% · Refinance 7.1%
Conventional 87.8% · FHA 6.1% · VA 6.1% · of 98 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 | 97 | 99.0% |
| Maryland | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 75 |
| York-Hanover | 8 |
| Chambersburg | 7 |
| Gettysburg | 5 |
| Hagerstown-Martinsburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A6NF3MQMOHKJ20 | 2018–2025 |
Established 12 January 2006. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Foote Capital Mortgage Company's data.
Foote Capital Mortgage Company's data
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Foote Capital Mortgage Company 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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