PlainLender
2024 data HMDA 2024 disclosure official source

Lebanon County

4,984 mortgage applications, 16.8% denial rate. Verify FIPS 42075 with U.S. Census Bureau →

PlainLender home → About this data

Pennsylvania · FIPS 42075

Local mortgage market. Lebanon County, Pennsylvania saw 4,984 HMDA-reported mortgage applications in 2024. Lenders originated 2,970 of those loans and denied 838, producing a denial rate of 16.8% and an approval (origination) rate of 59.6%. The average loan amount was $186,276 at an average note rate of 6.76%, with applicants self-reporting average annual income of $37K. 213 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 42075 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,984
Applications
2,970
Originated
16.8%
Denial Rate
59.6%
Approval Rate
$186,276
Avg Loan Amount
6.76%
Avg Interest Rate
$37K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Lebanon 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 240 8.1%
2 Lebanon Federal Credit Union 239 8.0%
3 Crosscountry Mortgage, LLC 233 7.8%
4 PA State Employees Cu 202 6.8%
5 Fulton Bank, National Association 171 5.8%
Compare Members 1st vs Lebanon Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Lebanon County?
In the 2024 HMDA reporting year, 4,984 mortgage applications were filed in Lebanon County, Pennsylvania. Of these, 2,970 were originated (approved and funded), while 838 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Lebanon County?
The mortgage denial rate in Lebanon County is 16.8%. The approval (origination) rate is 59.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lebanon County?
The average mortgage loan amount in Lebanon County is $186,276. The average interest rate is 6.761%. The average applicant income is $37K.
What is the loan-to-income ratio in Lebanon County?
The average loan-to-income ratio in Lebanon County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lebanon County?
The top mortgage lenders in Lebanon County by origination volume are Members 1st, Lebanon Federal Credit Union, Crosscountry Mortgage, LLC. In total, 213 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.