Mid Penn Bank in New Jersey vs the state
17.9%Denial rate+0.24 pts vs state
22.8%Decision denial rate-0.24 pts vs state
56.6%Origination rate+0.87 pts vs state
7.25%Median rate+0.50 pts vs state
0.21Rate spread (pts)-0.07 pts vs state
$166kMedian applicant income
82Loans originated
26Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 73 | 10.9% | 7.25% | #255 |
| 2024 | 111 | 63 | 22.5% | 6.99% | #245 |
| 2025 | 145 | 82 | 17.9% | 7.25% | #226 |
What Mid Penn Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Mid Penn Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 41 | 23 | 8 | 19.5% |
| Camden County | 21 | 10 | 4 | 19.0% |
| Cape May County | 12 | 6 | 2 | 16.7% |
| Monmouth County | 10 | 5 | 4 | 40.0% |
| Mercer County | 10 | 5 | 2 | 20.0% |
| Gloucester County | 8 | 4 | 2 | 25.0% |
| Burlington County | 8 | 5 | 0 | 0.0% |
| Atlantic County | 8 | 3 | 1 | 12.5% |
| Ocean County | 5 | 4 | 0 | 0.0% |
| Union County | 5 | 5 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 145 applications in 2025, of which 82 were originated and 26 denied.
17.9% of all applications, or 22.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Mid Penn Bank originated in New Jersey in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Mid Penn Bank's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology