Mid Penn Bank Mortgage Rates, Fees & Info

Millersburg, PA

LEI: 254900L0MIAM922ZEC34

Tax ID: 23-0880270

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Mid Penn Bank is a smaller bank specializing in Home Purchase and Refi loans. Mid Penn Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Harrisburg, Lancaster, Minneapolis, and Ocean City among others. We have data for 60 markets. (Some data included below & more in-depth data is available with an active subscription.)

Mid Penn Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Mid Penn Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.27%	12/16/24
30 Year Conventional Purchase	6.63%	12/16/24
30 Year Conventional Refi	6.62%	12/16/24
30 Year Cash-out Refi	6.62%	12/16/24
30 Year FHA Purchase	7.72%	12/16/24
30 Year VA Purchase	6.28%	12/16/24
30 Year USDA Purchase	6.81%	12/16/24
15 Year Conventional Purchase	6.18%	12/16/24
15 Year Conventional Refi	6.22%	12/16/24
15 Year Cash-out Refi	6.22%	12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Mid Penn Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Mid Penn Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

1,481

Origination Dollar Volume (All Markets)

$409,425,000

Employee count

572

Awards

Mid Penn Bank 30 Year Conventional Loans silver

Mid Penn Bank 30 Year Conventional Loans bronze

Show all (4) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	597	$188,605,000	$315,921	$5,784	3.20%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	354	$74,150,000	$209,463	$3,542	3.20%
LANCASTER, PA (FHA\|USDA\|VA)	92	$23,990,000	$260,761	$5,326	3.17%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	71	$20,675,000	$291,197	$6,514	2.92%
OCEAN CITY, NJ (FHA\|USDA\|VA)	18	$13,660,000	$758,889	$6,133	3.74%
YORK-HANOVER, PA (FHA\|USDA\|VA)	44	$12,560,000	$285,455	$6,524	2.96%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	21	$8,445,000	$402,143	$4,678	3.08%
READING, PA (FHA\|USDA\|VA)	39	$7,985,000	$204,744	$4,658	3.68%
Pottsville, PA (FHA\|USDA\|VA)	70	$7,930,000	$113,286	$2,316	3.40%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	25	$4,905,000	$196,200	$3,500	3.26%
JACKSONVILLE, FL (FHA\|USDA\|VA)	2	$4,760,000	$2,380,000	$4,518	3.06%
SALISBURY, MD-DE (FHA\|USDA\|VA)	8	$4,390,000	$548,750	$5,524	2.80%
PITTSBURGH, PA (FHA\|USDA\|VA)	31	$4,355,000	$140,484	$2,550	3.64%
GETTYSBURG, PA (FHA\|USDA\|VA)	4	$4,030,000	$1,007,500	$9,827	3.03%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	4	$2,960,000	$740,000	$4,146	3.53%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	9	$2,485,000	$276,111	$3,475	3.38%
LEBANON, PA (FHA\|USDA\|VA)	12	$2,430,000	$202,500	$3,377	3.24%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	8	$2,230,000	$278,750	$3,105	3.01%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	5	$2,005,000	$401,000	$4,227	2.83%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	4	$1,560,000	$390,000	$10,167	2.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	5	$1,535,000	$307,000	$4,565	2.78%
Sunbury, PA (FHA\|USDA\|VA)	10	$1,250,000	$125,000	$3,358	2.94%
DuBois, PA (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$0	3.75%
Pinehurst-Southern Pines, NC (FHA\|USDA\|VA)	1	$725,000	$725,000	$8,313	4.50%
Outside of Metro Areas	5	$705,000	$141,000	$2,431	3.29%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	2	$660,000	$330,000	$3,454	2.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$645,000	$645,000	$6,806	3.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	1	$555,000	$555,000	$0	3.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	1	$545,000	$545,000	$7,371	3.99%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$545,000	$545,000	$4,514	2.75%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$515,000	$515,000	$5,405	2.25%
Somerset, PA (FHA\|USDA\|VA)	2	$470,000	$235,000	$4,025	4.05%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	2	$460,000	$230,000	$3,530	3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	2	$400,000	$200,000	$3,197	3.56%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	1	$395,000	$395,000	$4,143	2.75%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	1	$375,000	$375,000	$9,210	3.13%
SYRACUSE, NY (FHA\|USDA\|VA)	1	$345,000	$345,000	$2,886	2.63%
DOVER, DE (FHA\|USDA\|VA)	2	$330,000	$165,000	$3,762	3.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	1	$305,000	$305,000	$4,771	3.50%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$5,146	2.87%
RICHMOND, VA (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,863	2.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$235,000	$235,000	$6,241	4.13%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$5,147	4.75%
DECATUR, AL (FHA\|USDA\|VA)	1	$215,000	$215,000	$7,206	3.25%
Huntingdon, PA (FHA\|USDA\|VA)	1	$215,000	$215,000	$5,482	2.99%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,734	2.75%
DULUTH, MN-WI (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,073	3.13%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,719	3.00%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,292	4.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,907	3.13%
Selinsgrove, PA (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,940	3.00%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,038	2.88%
STATE COLLEGE, PA (FHA\|USDA\|VA)	2	$150,000	$75,000	$2,915	4.10%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	4.00%
Easton, MD (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,462	3.37%
Lock Haven, PA (FHA\|USDA\|VA)	1	$115,000	$115,000	$3,140	2.38%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	3.84%
Faribault-Northfield, MN (FHA\|USDA\|VA)	1	$105,000	$105,000	$4,811	3.00%
Lewisburg, PA (FHA\|USDA\|VA)	1	$75,000	$75,000	$4,187	3.75%
St. Marys, PA (FHA\|USDA\|VA)	1	$35,000	$35,000	$1,722	6.65%

Mid Penn Bank's top markets include Philadelphia, Harrisburg, Lancaster, Minneapolis, and Ocean City among others.

Their top states include:

Pennsylvania (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

Minnesota (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Delaware (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Mid Penn Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

POINT BREEZE
Similarity Rank: 63

CROSS VALLEY FEDERAL CREDIT UNION
Similarity Rank: 159

The Honesdale National Bank
Similarity Rank: 175

BELLCO
Similarity Rank: 176

TRI BORO
Similarity Rank: 208

First Citizens Community Bank
Similarity Rank: 270

Louviers Federal Credit Union
Similarity Rank: 410

First Keystone Community Bank
Similarity Rank: 410

WELCOME HOME FINANCE, L.P.
Similarity Rank: 414

Riverview Bank
Similarity Rank: 420

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,358	$378,350,000	$278,608	$4,498	3.22%
FHA	106	$26,020,000	$245,472	$9,126	3.11%
VA	13	$4,155,000	$319,615	$9,604	2.89%
USDA	4	$900,000	$225,000	$6,749	3.13%

For 2021, Mid Penn Bank's most frequently originated type of loan was Conventional, with 1,358 originations. Their 2nd most popular type was FHA, with 106 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	822	$249,700,000	$303,771	$5,925	3.26%
Refi	428	$114,530,000	$267,593	$3,934	3.07%
Cash Out Refi	159	$41,035,000	$258,082	$4,695	3.03%
Home Improvement	39	$2,905,000	$74,487	$325	4.06%
Other	33	$1,255,000	$38,030	$0	3.75%

For 2021, Mid Penn Bank's most frequently cited loan purpose was Home Purchase, with 822 originations. The 2nd most popular reason was Refi, with 428 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	937	$273,295,000	$291,670	$5,695	3.11%
15 Year	182	$38,350,000	$210,714	$3,806	2.80%
20 Year	162	$50,510,000	$311,790	$3,823	3.68%
10 Year	72	$8,520,000	$118,333	$946	3.65%
Other	70	$23,420,000	$334,571	$2,174	3.61%
5 Year	37	$5,695,000	$153,919	$0	3.43%
1 Year	17	$7,845,000	$461,471	$8,879	4.38%
30+ year	3	$1,785,000	$595,000	$12,363	4.58%
3 Year	1	$5,000	$5,000	$0	3.10%

For 2021, Mid Penn Bank's most frequently cited loan duration was 30 Year, with 937 originations. The 2nd most popular length was 15 Year, with 182 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	994	$286,860,000	$288,592
$<1k	311	$52,625,000	$169,212
$2k-3k	1	$145,000	$145,000

Mid Penn Bank's average total fees were $5,695, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 994 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	688	$193,970,000	$281,933
2.5-3%	442	$126,040,000	$285,158
<2.5%	195	$45,145,000	$231,513
4-5%	141	$43,185,000	$306,277
5-6%	10	$780,000	$78,000
6-7%	5	$305,000	$61,000

During 2021, Mid Penn Bank's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 688 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	650	$182,830,000	$281,277	$5,556	3.12%
$100k-200k	414	$63,700,000	$153,865	$4,074	3.18%
$100,000 or less	188	$9,920,000	$52,766	$1,095	3.58%
$400k-600k	173	$83,385,000	$481,994	$6,796	3.11%
$600k-1MM	33	$23,825,000	$721,970	$10,331	3.43%
$1MM+	23	$45,765,000	$1,989,783	$18,741	3.90%

2021 saw Mid Penn Bank place emphasis on $200k-400k loans with 650 originations, totaling $182,830,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	307	$58,955,000	$192,036	$4,689	3.10%
$100k-150k	280	$75,650,000	$270,179	$4,699	3.17%
$75k-100k	240	$55,120,000	$229,667	$5,262	3.15%
$150k-250k	226	$76,220,000	$337,257	$5,536	3.25%
$50k or less	168	$22,730,000	$135,298	$3,759	3.12%
$250k+	127	$58,915,000	$463,898	$6,242	3.12%

Mid Penn Bank lent most frequently to those with incomes in the $50k-75k range, with 307 originations. The second most popular income band? $100k-150k, with 280 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	311	$78,275,000	$251,688	$4,370	3.06%
30-36%	270	$73,430,000	$271,963	$4,837	3.19%
<20%	146	$35,630,000	$244,041	$3,863	2.95%
44%	51	$12,885,000	$252,647	$5,303	3.20%
42%	50	$14,580,000	$291,600	$5,195	3.18%
39%	48	$12,770,000	$266,042	$5,195	3.20%
40%	48	$12,270,000	$255,625	$4,870	3.23%
36%	47	$13,335,000	$283,723	$5,596	3.17%
38%	44	$9,040,000	$205,455	$4,020	3.12%
41%	38	$10,530,000	$277,105	$4,900	3.03%
37%	38	$10,030,000	$263,947	$5,363	3.20%
50-60%	38	$9,690,000	$255,000	$8,688	3.10%
43%	36	$9,940,000	$276,111	$5,840	3.11%
46%	31	$8,025,000	$258,871	$5,236	3.01%
49%	31	$7,885,000	$254,355	$5,280	3.09%
45%	26	$7,240,000	$278,462	$5,898	3.10%
48%	25	$6,945,000	$277,800	$7,058	2.89%
47%	21	$5,525,000	$263,095	$6,200	3.06%
>60%	5	$1,195,000	$239,000	$5,218	4.15%

Mid Penn Bank lent most frequently to those with DTI ratios of 20-30%, with 311 originations. The next most common DTI ratio? 30-36%, with 270 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,055	$274,165,000	$259,872	$4,758	3.15%
Not applicable	106	$54,020,000	$509,623	$0	4.05%
Not provided	190	$49,430,000	$260,158	$5,290	3.22%
Asian	69	$17,775,000	$257,609	$4,960	2.90%
Black	59	$13,435,000	$227,712	$6,947	3.07%
American Indian	1	$405,000	$405,000	$8,094	2.38%
Filipino	1	$195,000	$195,000	$3,529	3.50%

Approval Rates

Total approvals of all applications
95.02%

Mid Penn Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
74.54%

Mid Penn Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,481	$409,425,000	$276,452

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	1,481	$409,425,000	$276,452

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	98	$15,790,000	$161,122	$2,333	3.32%
40-60%	178	$42,320,000	$237,753	$3,754	3.04%
60-80%	565	$177,025,000	$313,319	$4,819	3.28%
80-100%	570	$167,150,000	$293,246	$6,240	3.17%
Over 100%	5	$1,885,000	$377,000	$9,348	3.49%
Under 20%	65	$5,255,000	$80,846	$591	3.22%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
M&T BANK CORPORATION	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	8	4.9%
M&T BANK CORPORATION	Conventional home mortgage	Closing on a mortgage	6	3.7%
M&T BANK CORPORATION	Conventional home mortgage	Improper use of your report	1	0.6%
M&T BANK CORPORATION	Conventional home mortgage	Incorrect information on your report	1	0.6%
M&T BANK CORPORATION	Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	1	0.6%
M&T BANK CORPORATION	Conventional home mortgage	Struggling to pay mortgage	13	8.0%
M&T BANK CORPORATION	Conventional home mortgage	Trouble during payment process	42	25.9%
M&T BANK CORPORATION	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	7	4.3%
M&T BANK CORPORATION	FHA mortgage	Closing on a mortgage	2	1.2%
M&T BANK CORPORATION	FHA mortgage	Incorrect information on your report	2	1.2%
M&T BANK CORPORATION	FHA mortgage	Problem with a credit reporting company's investigation into an existing problem	3	1.9%
M&T BANK CORPORATION	FHA mortgage	Struggling to pay mortgage	11	6.8%
M&T BANK CORPORATION	FHA mortgage	Trouble during payment process	23	14.2%
M&T BANK CORPORATION	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	2	1.2%
M&T BANK CORPORATION	Home equity loan or line of credit (HELOC)	Closing on a mortgage	2	1.2%
M&T BANK CORPORATION	Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	1	0.6%
M&T BANK CORPORATION	Home equity loan or line of credit (HELOC)	Trouble during payment process	3	1.9%
M&T BANK CORPORATION	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	3	1.9%
M&T BANK CORPORATION	Other type of mortgage	Struggling to pay mortgage	2	1.2%
M&T BANK CORPORATION	Other type of mortgage	Trouble during payment process	8	4.9%
M&T BANK CORPORATION	VA mortgage	Applying for a mortgage or refinancing an existing mortgage	3	1.9%
M&T BANK CORPORATION	VA mortgage	Closing on a mortgage	2	1.2%
M&T BANK CORPORATION	VA mortgage	Struggling to pay mortgage	3	1.9%
M&T BANK CORPORATION	VA mortgage	Trouble during payment process	13	8.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Mid Penn Bank	10 Sentry Parkway, Suite 100 Blue Bell, PA 19422	Full Service B&M	$79,022
Mid Penn Bank	1001 Peters Mountain Road Dauphin, PA 17018	Full Service B&M	$52,575
Mid Penn Bank	1021 Centre Turnpike Orwigsburg, PA 17961	Full Service B&M	$27,638
Mid Penn Bank	104 Pheasant Run Newtown, PA 18940	Full Service B&M	$140,150
Mid Penn Bank	1100 Spring Garden Drive Middletown, PA 17057	Full Service B&M	$91,637
Mid Penn Bank	1215 N. Church Street Hazle Township, PA 18202	Full Service B&M	$44,667
Mid Penn Bank	125 South Arch Street Connellsville, PA 15425	Full Service B&M	$98,329
Mid Penn Bank	1310 Broadcasting Road Wyomissing, PA 19610	Full Service B&M	$101,749
Mid Penn Bank	150 Pittsburgh Street Scottdale, PA 15683	Full Service B&M	$95,282
Mid Penn Bank	17 North 2nd Street Harrisburg, PA 17101	Full Service Retail	$61,702
Mid Penn Bank	1817 Oregon Pike Lancaster, PA 17601	Full Service B&M	$35,003
Mid Penn Bank	205 School Road Dalmatia, PA 17017	Full Service B&M	$36,899
Mid Penn Bank	2148 Market Street Camp Hill, PA 17011	Full Service B&M	$138,471
Mid Penn Bank	2305 South Market Street Elizabethtown, PA 17022	Full Service B&M	$56,079
Mid Penn Bank	237 E. Gay Street West Chester, PA 19380	Full Service B&M	$90,671
Mid Penn Bank	2615 N Front Street Harrisburg, PA 17110	Full Service B&M	$107,282
Mid Penn Bank	29 Main Street Tremont, PA 17981	Full Service B&M	$32,934
Mid Penn Bank	3101 Shillington Road Sinking Spring, PA 19608	Full Service B&M	$59,966
Mid Penn Bank	349 Union Street Millersburg, PA 17061	Full Service B&M	$433,824
Mid Penn Bank	3663 Peters Mountain Road Halifax, PA 17032	Full Service B&M	$29,266
Mid Penn Bank	4200 N. 5th Street Highway Temple, PA 19560	Full Service B&M	$45,053
Mid Penn Bank	437 Pa 901 Minersville, PA 17954	Full Service B&M	$90,889
Mid Penn Bank	4509 Derry Street Harrisburg, PA 17111	Full Service B&M	$79,778
Mid Penn Bank	4541 Perkiomen Avenue Reading, PA 19606	Full Service B&M	$38,984
Mid Penn Bank	4622 Carlisle Pike Mechanicsburg, PA 17050	Full Service B&M	$98,347
Mid Penn Bank	4642 State Route 209 Elizabethville, PA 17023	Full Service B&M	$81,605
Mid Penn Bank	504 South Lehigh Avenue Frackville, PA 17931	Full Service B&M	$61,041
Mid Penn Bank	5049 Jonestown Road Harrisburg, PA 17112	Full Service B&M	$171,328
Mid Penn Bank	51 South Front Street Steelton, PA 17113	Full Service B&M	$34,025
Mid Penn Bank	5288 Simpson Ferry Road Mechanicsburg, PA 17050	Full Service B&M	$80,039
Mid Penn Bank	545 E Grand Ave Tower City, PA 17980	Full Service B&M	$52,150
Mid Penn Bank	550 Main Street Lykens, PA 17048	Full Service B&M	$44,340
Mid Penn Bank	632 West Main Street Mount Pleasant, PA 15666	Full Service B&M	$22,747
Mid Penn Bank	641 State Route 93 Conyngham, PA 18219	Full Service B&M	$53,634
Mid Penn Bank	689 West Main Street New Holland, PA 17557	Full Service B&M	$27,429
Mid Penn Bank	Route 819 South Mount Pleasant, PA 15666	Full Service B&M	$40,026

For 2021, Mid Penn Bank had 36 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$123,321
Net interest income	$110,634
Total noninterest income	$21,204
Gross Fiduciary activities income	$1,251
Service charges on deposit accounts	$1,385
Trading account gains and fees	$0
Additional Noninterest Income	$18,568
Pre-tax net operating income	$52,178
Securities gains (or losses, -)	$65
Income before extraordinary items	$42,371
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$42,371
Minority interest net income	$0
Net income	$42,371
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$42,318

Mid Penn Bank's gross interest income from loans was $123,321,000.
Mid Penn Bank's net interest income from loans was $110,634,000.
Mid Penn Bank's fee based income from loans was $1,385,000.
Mid Penn Bank's net income from loans was $42,371,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$12,687
Provision for credit losses	$2,945
Total noninterest expense	$76,715
Salaries and employee benefits	$39,814
Premises and equipment expense	$8,560
Additional noninterest expense	$28,341
Applicable income taxes	$9,872
Net charge-offs	$1,730
Cash dividends	$3,897

Mid Penn Bank's interest expense for loans was $12,687,000.
Mid Penn Bank's payroll and benefits expense were $39,814,000.
Mid Penn Bank's property, plant and equipment expenses $8,560,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	2.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$4,047,363
Deposits held in domestic offices	$4,047,363
Deposits by Individuals, partnerships, and corporations	$3,377,099
Deposits by U.S. Government	$25
Deposits by States and political subdivisions in the U.S.	$667,653
Deposits by Commercial banks and other depository institutions in U.S.	$2,586
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$1,962,637
Demand deposits	$1,962,637
Nontransaction accounts	$2,084,726
Money market deposit accounts (MMDAs)	$1,076,594
Other savings deposits (excluding MMDAs)	$381,476
Total time deposits	$626,657
Total time and savings deposits	$2,084,726
Noninterest-bearing deposits	$895,785
Interest-bearing deposits	$3,151,578
Retail deposits	$3,808,775
IRAs and Keogh plan accounts	$119,216
Brokered deposits	$116,692
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$4,687,600
Cash & Balances due from depository institutions	$913,468
Interest-bearing balances	$872,368
Total securities	$392,619
Federal funds sold & reverse repurchase	$0
Net loans and leases	$3,101,313
Loan and leases loss allowance	$14,597
Trading account assets	$0
Bank premises and fixed assets	$33,122
Other real estate owned	$0
Goodwill and other intangibles	$123,270
All other assets	$123,808

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$4,687,600
Total Liabilities	$4,163,835
Total deposits	$4,047,363
Interest-bearing deposits	$3,151,578
Deposits held in domestic offices	$4,047,363
% insured (estimated)	$58
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$81,270
Subordinated debt	$0
All other liabilities	$35,202

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$3,101,313
Loan and leases loss allowance	$14,597
Total loans and leases (domestic)	$3,115,910
All real estate loans	$2,482,107
Real estate loans in domestic offices	$2,482,107
Construction and development loans	$381,253
Residential 1-4 family construction	$81,264
Other construction, all land development and other land	$299,989
Loans secured by nonfarm nonresidential properties	$1,215,500
Nonfarm nonresidential secured by owner-occupied properties	$459,045
Commercial real estate & other non-farm, non-residential	$756,455
Multifamily residential real estate	$163,586
1-4 family residential loans	$584,094
Farmland loans	$137,674
Loans held in foreign offices	$0
Farm loans	$6,228
Commercial and industrial loans	$524,872
To non-U.S. addressees	$0
Loans to individuals	$9,249
Credit card loans	$0
Related Plans	$4,548
Consumer Auto Loans	$809
Other loans to individuals	$3,892
All other loans & leases	$93,454
Loans to foreign governments and official institutions	$0
Other loans	$6,181
Loans to depository institutions and acceptances of other banks	$4,000
Loans not secured by real estate	$637
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$435
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

Mid Penn Bank had $3,101,313,000 of loans outstanding in 2021. $2,482,107,000 of loans were in real estate loans. $381,253,000 of loans were in development loans. $163,586,000 of loans were in multifamily mortgage loans. $584,094,000 of loans were in 1-4 family mortgage loans. $6,228,000 of loans were in farm loans. $0 of loans were in credit card loans. $809,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	1,423	$317,425	$223,067
Nonfarm, nonresidential loans - <$100k	299	$15,484	$51,786
Nonfarm, nonresidential loans - $100-250k	464	$56,314	$121,366
Nonfarm, nonresidential loans - $250k-1MM	660	$245,627	$372,162
Commercial & Industrial, US addressed loans - <$1MM	2,983	$228,321	$76,541
Commercial & Industrial, US addressed loans - <$100k	1,922	$42,296	$22,006
Commercial & Industrial, US addressed loans - $100-250k	533	$49,401	$92,685
Commercial & Industrial, US addressed loans - $250k-1MM	528	$136,624	$258,758
Farmland loans - <$1MM	469	$59,629	$127,141
Farmland loans - <$100k	199	$6,517	$32,749
Farmland loans - $100-250k	145	$17,385	$119,897
Farmland loans - $250k-1MM	125	$35,727	$285,816
Agriculture operations loans - <$1MM	130	$4,737	$36,438
Agriculture operations loans - <$100k	114	$2,647	$23,219
Agriculture operations loans - $100-250k	14	$1,566	$111,857
Agriculture operations loans - $250k-1MM	2	$524	$262,000