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2024 data HMDA 2024 disclosure official source

Cambria County

3,500 mortgage applications, 22.3% denial rate. Verify FIPS 42021 with U.S. Census Bureau →

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Pennsylvania · FIPS 42021

Local mortgage market. Cambria County, Pennsylvania saw 3,500 HMDA-reported mortgage applications in 2024. Lenders originated 2,035 of those loans and denied 779, producing a denial rate of 22.3% and an approval (origination) rate of 58.1%. The average loan amount was $102,029 at an average note rate of 6.78%, with applicants self-reporting average annual income of $33K. 142 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.1x, meaning typical borrowers took on mortgages of about 3.1 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 42021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,500
Applications
2,035
Originated
22.3%
Denial Rate
58.1%
Approval Rate
$102,029
Avg Loan Amount
6.78%
Avg Interest Rate
$33K
Avg Applicant Income
3.1x
Loan-to-Income Ratio

Nearby Lenders in Cambria 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 First National Bank of PA 257 12.6%
2 First Commonwealth Bank 247 12.1%
3 1st Summit Bank 153 7.5%
4 Ameriserv Financial Bank 126 6.2%
5 PRIMELENDING 125 6.1%
Compare First National Bank of PA vs First Commonwealth Bank →

Frequently Asked Questions

How many mortgage applications were filed in Cambria County?
In the 2024 HMDA reporting year, 3,500 mortgage applications were filed in Cambria County, Pennsylvania. Of these, 2,035 were originated (approved and funded), while 779 were denied, resulting in a denial rate of 22.3%.
What is the mortgage denial rate in Cambria County?
The mortgage denial rate in Cambria County is 22.3%. The approval (origination) rate is 58.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cambria County?
The average mortgage loan amount in Cambria County is $102,029. The average interest rate is 6.779%. The average applicant income is $33K.
What is the loan-to-income ratio in Cambria County?
The average loan-to-income ratio in Cambria County is 3.1x, meaning borrowers took on loans averaging 3.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cambria County?
The top mortgage lenders in Cambria County by origination volume are First National Bank of PA, First Commonwealth Bank, 1st Summit Bank. In total, 142 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.