Mortgage lenders in Adams County
2,615 mortgages were made in Adams County, Pennsylvania, in 2025, by 265 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 3,539 decisions, 742 were denials — 21.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MEMBERS 1ST | 298 | 1.990% | $105,000 | 31.8% |
| ACNB Bank | 275 | 7.168% | $185,000 | 14.2% |
| Rocket Mortgage, LLC | 153 | 6.625% | $175,000 | 14.8% |
| PNC Bank, National Association | 145 | 7.240% | $105,000 | 18.7% |
| Manufacturers and Traders Trust Company | 83 | 5.990% | $105,000 | 22.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 81 | 6.575% | $255,000 | 2.4% |
| CMG MORTGAGE, INC. | 76 | 6.625% | $245,000 | 5.7% |
| BELCO COMMUNITY CREDIT UNION | 65 | 7.500% | $65,000 | 20.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 58 | 5.999% | $280,000 | 12.9% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 58 | 6.813% | $90,000 | 12.3% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 6.499% | $195,000 | 20.3% |
| Truist Bank | 50 | 6.813% | $110,000 | 43.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 44 | 6.688% | $260,000 | 2.2% |
| BAY CAPITAL MORTGAGE CORPORATION | 37 | 6.625% | $305,000 | 5.1% |
| NVR Mortgage Finance, Inc. | 36 | 6.250% | $355,000 | 21.7% |
| MOVEMENT MORTGAGE, LLC | 36 | 6.875% | $240,000 | 0.0% |
| Mortgage Research Center, LLC | 34 | 6.250% | $350,000 | 22.7% |
| Integrity Home Mortgage Corporation | 31 | 6.500% | $305,000 | 0.0% |
| Orrstown Bank | 30 | 6.750% | $225,000 | 24.4% |
| GUILD MORTGAGE COMPANY | 30 | 6.625% | $250,000 | 6.1% |
| NEWREZ LLC | 29 | 6.625% | $295,000 | 27.5% |
| Fulton Bank, National Association | 28 | 6.500% | $250,000 | 9.7% |
| Homesale Mortgage, LLC | 28 | 6.625% | $270,000 | 6.7% |
| Navy Federal Credit Union | 26 | 8.225% | $130,000 | 27.8% |
| First National Bank of Pennsylvania | 23 | 6.750% | $445,000 | 8.0% |
| FREEDOM MORTGAGE CORPORATION | 21 | 6.250% | $285,000 | 31.3% |
| NATIONSTAR MORTGAGE LLC | 21 | 6.990% | $135,000 | 18.5% |
| LENNAR MORTGAGE, LLC | 20 | 6.438% | $340,000 | 4.8% |
| DHI MORTGAGE COMPANY, LTD. | 20 | 6.375% | $245,000 | 0.0% |
| Loandepot.Com, LLC | 18 | 6.813% | $155,000 | 35.5% |
| NFM, INC. | 18 | 6.750% | $295,000 | 0.0% |
| Broker Solutions, Inc. | 17 | 7.000% | $235,000 | 19.1% |
| RADIUS FINANCIAL GROUP INC. | 17 | 6.624% | $255,000 | 0.0% |
| Citizens Bank, National Association | 16 | 7.775% | $105,000 | 32.0% |
| NYMEO FEDERAL CREDIT UNION | 16 | 6.188% | $225,000 | 0.0% |
| PATRIOT | 15 | 4.990% | $155,000 | 28.6% |
| Farmers and Merchants Trust Company of Chambersburg | 14 | 6.375% | $285,000 | 28.6% |
| FIRST HOME MORTGAGE CORPORATION | 14 | 6.813% | $295,000 | 0.0% |
| Towne Bank | 14 | 6.125% | $305,000 | 0.0% |
| 21st Mortgage Corporation | 13 | 11.580% | $65,000 | 69.8% |
| AmeriSave Mortgage Corporation | 12 | 6.813% | $130,000 | 60.6% |
| THE MORTGAGE LINK, INC. | 12 | 6.625% | $290,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 12 | 6.625% | $290,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.600% | $75,000 | 30.0% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 6.490% | $275,000 | 35.0% |
| NEW DAY FINANCIAL, LLC | 11 | 6.990% | $345,000 | 25.0% |
| FIGURE LENDING LLC | 11 | 11.150% | $45,000 | 15.8% |
| DIRECT MORTGAGE LOANS, LLC | 11 | 6.375% | $275,000 | 0.0% |
| EMM LOANS LLC | 10 | 6.500% | $255,000 | 9.1% |
| Lendage, LLC | 10 | 11.500% | $55,000 | 0.0% |
| Horizon Farm Credit, ACA | 10 | 6.855% | $300,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.813% | $230,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 3.0% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 57.1% |
| TOWER Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 35.7% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| DAS Acquisition Company, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 9.1% |
| FIRST FINANCIAL OF MARYLAND FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| TIDEWATER MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 7 | Under 10 loans | Under 10 loans | 22.2% |
| JPMorgan Chase Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 73.7% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 61.5% |
| 549300A6NF3MQMOHKJ20 | 5 | Under 10 loans | Under 10 loans | 44.4% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MERIDIAN BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 82.4% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 62.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 55.6% |
| GoodLeap, LLC | 3 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICHOICE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mid Penn Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CNB Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Pennian Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 40.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 45.5% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Univest Bank and Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| APL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FBC MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHESSIE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Union Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Woodsboro Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WHITE ROSE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS AND MERCHANTS BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 93.8% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 60.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HERITAGE VALLEY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BayCoast Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ballston Spa National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Cumberland Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS & NORTHERN BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SkyPoint Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT BREEZE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middletown Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 65 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Adams County
17 FDIC-insured branches from 4 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| ACNB Bank | 10 | $1.1 billion |
| PNC Bank, National Association | 4 | $522.4 million |
| Manufacturers and Traders Trust Company | 2 | $102.6 million |
| Truist Bank | 1 | $71.0 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.