Mid Penn Bank
Millersburg, PA · What the federal mortgage record shows about how Mid Penn Bank treated New Jersey applicants, 2018–2025 — 211 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 211 New Jersey applications Mid Penn Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Mid Penn Bank’s rates ran -0.02 pp in line with than the typical New Jersey lender (average rate spread +0.25 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Mid Penn Bank approves
Why Mid Penn Bank denied applications
Where Mid Penn Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Cape May County | 52 | 96.2% |
| Middlesex County | 35 | 88.6% |
| Atlantic County | 30 | 90.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Mid Penn Bank’s home-purchase originations — 0.44 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $350. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Mid Penn Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Mid Penn Bank (LEI 254900L0MIAM922ZEC34). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →