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2024 data HMDA 2024 disclosure official source

Columbia County

1,877 mortgage applications, 16.3% denial rate. Verify FIPS 42037 with U.S. Census Bureau →

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Pennsylvania · FIPS 42037

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.

FIPS 42037 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,877
Applications
1,151
Originated
16.3%
Denial Rate
61.3%
Approval Rate
$150,088
Avg Loan Amount
7.21%
Avg Interest Rate
$36K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Columbia 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 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%
Compare Journey Bank vs First Keystone Community Bank →

Frequently Asked Questions

How many mortgage applications were filed in Columbia County?
In the 2024 HMDA reporting year, 1,877 mortgage applications were filed in Columbia County, Pennsylvania. Of these, 1,151 were originated (approved and funded), while 305 were denied, resulting in a denial rate of 16.3%.
What is the mortgage denial rate in Columbia County?
The mortgage denial rate in Columbia County is 16.3%. The approval (origination) rate is 61.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Columbia County?
The average mortgage loan amount in Columbia County is $150,088. The average interest rate is 7.215%. The average applicant income is $36K.
What is the loan-to-income ratio in Columbia County?
The average loan-to-income ratio in Columbia County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Columbia County?
The top mortgage lenders in Columbia County by origination volume are Journey Bank, First Keystone Community Bank, Service 1st Federal Credit Uni. In total, 114 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.