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2024 data HMDA 2024 disclosure official source

Indiana County

2,198 mortgage applications, 20.6% denial rate. Verify FIPS 42063 with U.S. Census Bureau →

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Pennsylvania · FIPS 42063

Local mortgage market. Indiana County, Pennsylvania saw 2,198 HMDA-reported mortgage applications in 2024. Lenders originated 1,264 of those loans and denied 453, producing a denial rate of 20.6% and an approval (origination) rate of 57.5%. The average loan amount was $131,438 at an average note rate of 6.94%, with applicants self-reporting average annual income of $35K. 117 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 42063 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,198
Applications
1,264
Originated
20.6%
Denial Rate
57.5%
Approval Rate
$131,438
Avg Loan Amount
6.94%
Avg Interest Rate
$35K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Indiana 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 S&T Bank 182 14.4%
2 InFirst Bank 144 11.4%
3 First Commonwealth Bank 98 7.8%
4 PA State Employees Cu 79 6.3%
5 Rocket Mortgage 68 5.4%
Compare S&T Bank vs InFirst Bank →

Frequently Asked Questions

How many mortgage applications were filed in Indiana County?
In the 2024 HMDA reporting year, 2,198 mortgage applications were filed in Indiana County, Pennsylvania. Of these, 1,264 were originated (approved and funded), while 453 were denied, resulting in a denial rate of 20.6%.
What is the mortgage denial rate in Indiana County?
The mortgage denial rate in Indiana County is 20.6%. The approval (origination) rate is 57.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Indiana County?
The average mortgage loan amount in Indiana County is $131,438. The average interest rate is 6.938%. The average applicant income is $35K.
What is the loan-to-income ratio in Indiana County?
The average loan-to-income ratio in Indiana 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 Indiana County?
The top mortgage lenders in Indiana County by origination volume are S&T Bank, InFirst Bank, First Commonwealth Bank. In total, 117 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.