Huntingdon County
Pennsylvania · FIPS 42061
According to CFPB HMDA 2024 application volume among U.S. counties, Huntingdon County ranks #1,274 of 3,210, and #48 of 67 in Pennsylvania.
Mortgage lending activity in Huntingdon 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. Huntingdon County, Pennsylvania saw 1,191 HMDA-reported mortgage applications in 2024. Lenders originated 728 of those loans and denied 232, producing a denial rate of 19.5% and an approval (origination) rate of 61.1%. The average loan amount was $127,754 at an average note rate of 6.95%, with applicants self-reporting average annual income of $34K. 97 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 Huntingdon County
In Huntingdon County, lead originator Community State Bank of Orbisonia funded 22.8% of 728 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 44.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Huntingdon County's 1,191 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Huntingdon County's $127,754 average loan (deduped against volume peers).
Lenders active in Huntingdon County
Community State Bank of Orbisonia funded 166 of the 728 loans originated in Huntingdon County, 22.8% of the county. 97 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community State Bank of Orbisonia | 166 | 22.8% |
| 2 | Kish Bank | 103 | 14.1% |
| 3 | PA State Employees Cu | 55 | 7.6% |
| 4 | First National Bank of PA | 50 | 6.9% |
| 5 | Rocket Mortgage | 44 | 6.0% |
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 Huntingdon 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 Huntingdon 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.