PlainLender
2024 data HMDA 2024 disclosure official source

Huntingdon County

1,191 mortgage applications, 19.5% denial rate. Verify FIPS 42061 with U.S. Census Bureau →

PlainLender home → About this data

Pennsylvania · FIPS 42061

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.

FIPS 42061 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,191
Applications
728
Originated
19.5%
Denial Rate
61.1%
Approval Rate
$127,754
Avg Loan Amount
6.95%
Avg Interest Rate
$34K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Huntingdon 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 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%
Compare Community State Bank of Orbisonia vs Kish Bank →

Frequently Asked Questions

How many mortgage applications were filed in Huntingdon County?
In the 2024 HMDA reporting year, 1,191 mortgage applications were filed in Huntingdon County, Pennsylvania. Of these, 728 were originated (approved and funded), while 232 were denied, resulting in a denial rate of 19.5%.
What is the mortgage denial rate in Huntingdon County?
The mortgage denial rate in Huntingdon County is 19.5%. The approval (origination) rate is 61.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Huntingdon County?
The average mortgage loan amount in Huntingdon County is $127,754. The average interest rate is 6.954%. The average applicant income is $34K.
What is the loan-to-income ratio in Huntingdon County?
The average loan-to-income ratio in Huntingdon County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Huntingdon County?
The top mortgage lenders in Huntingdon County by origination volume are Community State Bank of Orbisonia, Kish Bank, PA State Employees Cu. In total, 97 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.