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Adams County, Pennsylvania · 2025

Mortgage lenders in Adams County, PA: denial rates and top lenders (2025)

259 lenders acted on 4,236 mortgage applications for properties in Adams County in 2025. 17.5% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.63%; median loan $185,000; median property value $355,000.

4.2kApplications
17.5%Denial ratestate 18.3%
6.63%Median ratestate 6.63%
$185,000Median loan
$355,000Median property value

Largest lenders in Adams County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Members 1st B 487298 29.2%1.99%
2 ACNB Bank B 382275 13.4%7.17%
3 PNC Bank D 216145 15.7%7.24%
4 Rocket Mortgage C 198153 13.6%6.63%
5 Manufacturers and Traders Trust C 11783 21.4%5.99%
6 CMG Mortgage A 10876 4.6%6.63%
7 Crosscountry Mortgage B 10281 2.0%6.58%
8 Truist Bank C 10150 38.6%6.81%
9 Belco Community Credit Union D 9965 20.2%7.50%
10 Pennymac Loan Services C 8551 15.3%6.50%
11 United Shore Financial Services B 8558 10.6%6.00%
12 PENNSYLVANIA STATE EMPLOYEES Credit Union C 7958 11.4%6.81%
13 21st Mortgage F 7613 39.5%11.58%
14 Mortgage Research Center C 6634 15.2%6.25%
15 Newrez D 6129 18.0%6.63%
16 Freedom Mortgage B 6021 16.7%6.25%
17 Primary Residential Mortgage C 5644 1.8%6.75%
18 Navy Federal Credit Union D 5426 18.5%8.23%
19 NVR Mortgage Finance B 5336 18.9%6.25%
20 Coastal Community Bank C 479 2.1%12.99%
21 Movement Mortgage A 4636 0.0%6.88%
22 Bay Capital Mortgage B 4537 4.4%6.63%
23 Integrity Home Mortgage B 4431 0.0%6.50%
24 Orrstown Bank A 4230 23.8%6.75%
25 Broker Solutions D 4117 9.8%7.00%

Best approval odds in Adams County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Crosscountry Mortgage832.4%
2CMG Mortgage885.7%
3PENNSYLVANIA STATE EMPLOYEES Credit Union7312.3%
4United Shore Financial Services7012.9%
5ACNB Bank35814.3%
6Rocket Mortgage18314.8%
7PNC Bank18218.7%
8Pennymac Loan Services6420.3%
9Belco Community Credit Union9720.6%
10Manufacturers and Traders Trust11222.3%

What Adams County borrowers applied for

By loan purpose

Home purchase 1,734 41% · 10.3% denied
Refinance 690 16% · 14.9% denied
Cash-out refinance 593 14% · 22.3% denied
Home improvement 581 14% · 26.2% denied
Other / HELOC 638 15% · 27.6% denied

By loan type

Conventional 3,331 79% · 18.6% denied
FHA 519 12% · 16.6% denied
VA 346 8% · 9.0% denied
USDA / RHS 40 1% · 10.0% denied

Why applications were denied

Debt-to-income ratio 248 33%
Credit history 197 27%
Collateral 106 14%
Incomplete application 81 11%
Other 54 7%
Unverifiable information 35 5%
Employment history 10 1%
Insufficient cash 10 1%
Mortgage insurance denied 1 0%

Adams County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,7932,20322.7%6.95%$135,000
20243,8702,36820.9%6.88%$145,000
20254,2362,61517.5%6.63%$185,000

Frequently asked questions

17.5% of applications in Adams County were denied in 2025, against 18.3% statewide in Pennsylvania.

Members 1st, with 487 applications in 2025 and a denial rate of 29.2%.

The median mortgage application in Adams County in 2025 was for $185,000; the median property value on originated loans was $355,000.