Gettysburg
Metropolitan Statistical Area · MSA Code 23900
Mortgage lending activity in the Gettysburg metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024.
Metro-area mortgage activity. The Gettysburg Metropolitan Statistical Area (MSA code 23900) recorded 4,223 HMDA-reported mortgage applications in 2024. Lenders originated 2,367 of those and denied others at a rate of 19.1%, for an approval (origination) rate of 56.1%. The average loan amount across the MSA was $195,826 at an average note rate of 7.02%. 20 major lenders are tracked for this metro — MEMBERS 1ST, ACNB BANK, PNC BANK N.A. lead by origination volume.
What MSA numbers tell you — and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Gettysburg denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. Metro denial rates are shaped primarily by applicant mix — credit profile, loan-to-value, debt-to-income, property type — not by a single "local market" stance. A $19.1% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $195,826 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood.
How to use this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — federal transparency data, not a real-time mortgage rate quote. A metro-level number is useful context but says nothing about what any particular lender will offer a specific borrower; rates, fees, and underwriting vary by lender, product, and file. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates carefully, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset.
Nearby Lenders in Gettysburg
HMDA-reporting mortgage lenders ranked by loan originations in the Gettysburg metro area (2024). Compare any two side-by-side.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | MEMBERS 1ST | 296 | 532 | $88,872 | 12.5% |
| 2 | ACNB BANK | 216 | 326 | $138,896 | 9.1% |
| 3 | PNC BANK N.A. | 173 | 268 | $113,881 | 7.3% |
| 4 | ROCKET MORTGAGE | 116 | 165 | $216,697 | 4.9% |
| 5 | TRADITIONS BANK | 88 | 101 | $332,723 | 3.7% |
Understanding This Data
Application Volume
The 4,223 applications recorded here represent every mortgage application reported by lenders with originations in the Gettysburg MSA. This includes home purchase, refinance, and home improvement loans.
Denial Rate Context
A denial rate of 19.1% means approximately 19.1% of all applications filed in this metro were denied. The average loan amount of $195,826 reflects the median property values and borrower profiles in this market.
Frequently Asked Questions
How many mortgage applications were filed in the Gettysburg metro area?
What is the mortgage denial rate in the Gettysburg metro?
What is the average mortgage loan amount in the Gettysburg area?
Who are the largest mortgage lenders in the Gettysburg area?
What is the source of this mortgage lending data?
Mortgage Lending Guides
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice.
Read our methodology — how this data is sourced, computed, and verified.
