Columbia County
Pennsylvania · FIPS 42037
According to CFPB HMDA 2024 application volume among U.S. counties, Columbia County ranks #966 of 3,210, and #41 of 67 in Pennsylvania.
Mortgage lending activity in Columbia 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. Columbia County, Pennsylvania saw 1,877 HMDA-reported mortgage applications in 2024. Lenders originated 1,151 of those loans and denied 305, producing a denial rate of 16.3% and an approval (origination) rate of 61.3%. The average loan amount was $150,088 at an average note rate of 7.21%, with applicants self-reporting average annual income of $36K. 114 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 Columbia County
In Columbia County, lead originator Journey Bank funded 22.2% of 1,151 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Columbia County's 1,877 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Columbia County's $150,088 average loan (deduped against volume peers).
Lenders active in Columbia County
Journey Bank funded 256 of the 1,151 loans originated in Columbia County, 22.2% of the county. 114 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Journey Bank | 256 | 22.2% |
| 2 | First Keystone Community Bank | 92 | 8.0% |
| 3 | Service 1st Federal Credit Uni | 92 | 8.0% |
| 4 | PA State Employees Cu | 67 | 5.8% |
| 5 | Rocket Mortgage | 61 | 5.3% |
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 Columbia 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 Columbia 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.