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2024 data HMDA 2024 disclosure official source

Dauphin County

11,007 mortgage applications, 20.1% denial rate. Verify FIPS 42043 with U.S. Census Bureau →

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Pennsylvania · FIPS 42043

Local mortgage market. Dauphin County, Pennsylvania saw 11,007 HMDA-reported mortgage applications in 2024. Lenders originated 6,155 of those loans and denied 2,209, producing a denial rate of 20.1% and an approval (origination) rate of 55.9%. The average loan amount was $177,710 at an average note rate of 6.78%, with applicants self-reporting average annual income of $36K. 313 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 42043 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,007
Applications
6,155
Originated
20.1%
Denial Rate
55.9%
Approval Rate
$177,710
Avg Loan Amount
6.78%
Avg Interest Rate
$36K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Dauphin 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 Members 1st 825 13.4%
2 PA State Employees Cu 648 10.5%
3 Rocket Mortgage 343 5.6%
4 United Wholesale Mortgage 232 3.8%
5 First National Bank of PA 183 3.0%
Compare Members 1st vs PA State Employees Cu →

Frequently Asked Questions

How many mortgage applications were filed in Dauphin County?
In the 2024 HMDA reporting year, 11,007 mortgage applications were filed in Dauphin County, Pennsylvania. Of these, 6,155 were originated (approved and funded), while 2,209 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Dauphin County?
The mortgage denial rate in Dauphin County is 20.1%. The approval (origination) rate is 55.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dauphin County?
The average mortgage loan amount in Dauphin County is $177,710. The average interest rate is 6.780%. The average applicant income is $36K.
What is the loan-to-income ratio in Dauphin County?
The average loan-to-income ratio in Dauphin County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dauphin County?
The top mortgage lenders in Dauphin County by origination volume are Members 1st, PA State Employees Cu, Rocket Mortgage. In total, 313 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.