Bradford County
Pennsylvania · FIPS 42015
According to CFPB HMDA 2024 application volume among U.S. counties, Bradford County ranks #1,044 of 3,210, and #44 of 67 in Pennsylvania.
Mortgage lending activity in Bradford County, Pennsylvania based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Bradford County, Pennsylvania saw 1,640 HMDA-reported mortgage applications in 2024. Lenders originated 955 of those loans and denied 295, producing a denial rate of 18.0% and an approval (origination) rate of 58.2%. The average loan amount was $145,738 at an average note rate of 7.21%, with applicants self-reporting average annual income of $36K. 115 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Bradford County
In Bradford County, lead originator Citizens & Northern Bank funded 25.4% of 955 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 45.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Bradford County's 1,640 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Bradford County's $145,738 average loan (deduped against volume peers).
Lenders active in Bradford County
Citizens & Northern Bank funded 243 of the 955 loans originated in Bradford County, 25.4% of the county. 115 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Citizens & Northern Bank | 243 | 25.4% |
| 2 | Ixonia Bank | 122 | 12.8% |
| 3 | Ps Bank | 68 | 7.1% |
| 4 | Rocket Mortgage | 56 | 5.9% |
| 5 | First Citizens Community Bank | 52 | 5.4% |
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; does not constitute financial advice for Bradford County borrowers.
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 Bradford County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.