Applications / Mortgage Analytics / Lenders / Pennsylvania / HomeSale Mortgage
Lancaster, PA · Non-bank affiliate of a holding company · CFPB · 544 loans in 2025
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544
loans originated, 2025
619
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HomeSale Mortgage is a home-buying lender anchored in Lancaster, York and Harrisburg, and in 2025 it grew a little while similar lenders shrank.
Home purchases made up 95.6% of its loans and refinances only 3.9%. Conventional loans were 77.0%, close to similar lenders, which are non-bank affiliates of holding companies making between a quarter and four times as many loans. The rest were mostly insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs.
It made 544 loans, up 3% from 527, while similar lenders fell 13%. The whole market grew 10%. Its lending has climbed back slowly since 2023, when it made 489 loans.
It ranked 20 of 365 lenders in Lancaster, with 1.3% of the market, barely changed from 1.4%. Guild Mortgage Company and Fulton Bank led. It holds 1.0% of York-Hanover. It has lent there, and in Harrisburg-Carlisle and Reading, since 2014.
Its typical loan was $255,000, against $305,000 for similar lenders, smaller than at about seven in ten of them. Jumbo loans, larger than the conforming limit, were 0.4%. A third of its borrowers had low or moderate incomes (34.0%), close to the 32.4% at similar lenders.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HomeSale Mortgage took 619 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.6% · Refinance 3.9% · Other 0.6%
Conventional 77.0% · FHA 15.1% · VA 7.0% · USDA (RHS or FSA) 0.9% · of 544 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 | 478 | 87.9% |
| Maryland | 63 | 11.6% |
| Delaware | 2 | 0.4% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lancaster | 122 |
| York-Hanover | 108 |
| Harrisburg-Carlisle | 57 |
| Baltimore-Columbia-Towson | 52 |
| Reading | 50 |
| Chambersburg | 30 |
| Gettysburg | 28 |
| Lebanon | 17 |
| Hagerstown-Martinsburg | 5 |
| Montgomery County-Bucks County-Chester County | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I316H4TE334G62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3069361 | 2010–2016 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4498016 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3462297312 |
Established 11 March 2013. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: HomeSale Mortgage's data.
HomeSale Mortgage's data
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HomeSale Mortgage 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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