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2024 data HMDA 2024 disclosure official source

Juniata County

557 mortgage applications, 20.1% denial rate. Verify FIPS 42067 with U.S. Census Bureau →

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Pennsylvania · FIPS 42067

Local mortgage market. Juniata County, Pennsylvania saw 557 HMDA-reported mortgage applications in 2024. Lenders originated 331 of those loans and denied 112, producing a denial rate of 20.1% and an approval (origination) rate of 59.4%. The average loan amount was $126,257 at an average note rate of 6.73%, with applicants self-reporting average annual income of $36K. 60 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 42067 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

557
Applications
331
Originated
20.1%
Denial Rate
59.4%
Approval Rate
$126,257
Avg Loan Amount
6.73%
Avg Interest Rate
$36K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Juniata 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 The Juniata Valley Bank 51 15.4%
2 PA State Employees Cu 49 14.8%
3 Kish Bank 33 10.0%
4 Rocket Mortgage 27 8.2%
5 Members 1st 24 7.3%
Compare The Juniata Valley Bank vs PA State Employees Cu →

Frequently Asked Questions

How many mortgage applications were filed in Juniata County?
In the 2024 HMDA reporting year, 557 mortgage applications were filed in Juniata County, Pennsylvania. Of these, 331 were originated (approved and funded), while 112 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Juniata County?
The mortgage denial rate in Juniata County is 20.1%. The approval (origination) rate is 59.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Juniata County?
The average mortgage loan amount in Juniata County is $126,257. The average interest rate is 6.726%. The average applicant income is $36K.
What is the loan-to-income ratio in Juniata County?
The average loan-to-income ratio in Juniata County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Juniata County?
The top mortgage lenders in Juniata County by origination volume are The Juniata Valley Bank, PA State Employees Cu, Kish Bank. In total, 60 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.