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2024 data HMDA 2024 disclosure official source

Blair County

3,255 mortgage applications, 18.2% denial rate. Verify FIPS 42013 with U.S. Census Bureau →

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Pennsylvania · FIPS 42013

Local mortgage market. Blair County, Pennsylvania saw 3,255 HMDA-reported mortgage applications in 2024. Lenders originated 1,972 of those loans and denied 593, producing a denial rate of 18.2% and an approval (origination) rate of 60.6%. The average loan amount was $135,836 at an average note rate of 7.14%, with applicants self-reporting average annual income of $35K. 153 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 42013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,255
Applications
1,972
Originated
18.2%
Denial Rate
60.6%
Approval Rate
$135,836
Avg Loan Amount
7.14%
Avg Interest Rate
$35K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Blair County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Reliance Savings Bank 181 9.2%
2 First Commonwealth Bank 156 7.9%
3 First National Bank of PA 120 6.1%
4 Flagstar Bank NA 116 5.9%
5 Rocket Mortgage 107 5.4%
Compare Reliance Savings Bank vs First Commonwealth Bank →

Frequently Asked Questions

How many mortgage applications were filed in Blair County?
In the 2024 HMDA reporting year, 3,255 mortgage applications were filed in Blair County, Pennsylvania. Of these, 1,972 were originated (approved and funded), while 593 were denied, resulting in a denial rate of 18.2%.
What is the mortgage denial rate in Blair County?
The mortgage denial rate in Blair County is 18.2%. The approval (origination) rate is 60.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Blair County?
The average mortgage loan amount in Blair County is $135,836. The average interest rate is 7.139%. The average applicant income is $35K.
What is the loan-to-income ratio in Blair County?
The average loan-to-income ratio in Blair County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Blair County?
The top mortgage lenders in Blair County by origination volume are Reliance Savings Bank, First Commonwealth Bank, First National Bank of PA. In total, 153 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.