Lebanon County
Pennsylvania · FIPS 42075
According to CFPB HMDA 2024 application volume among U.S. counties, Lebanon County ranks #518 of 3,223, and #23 of 67 in Pennsylvania.
Mortgage lending activity in Lebanon 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. Lebanon County, Pennsylvania lenders denied 838 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lebanon County
In Lebanon County, lead originator Members 1st funded only 8.1% of 2,970 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Lebanon County's 4,984 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lebanon County's $186,276 average loan (deduped against volume peers).
Lenders active in Lebanon County
Members 1st funded 240 of the 2,970 loans originated in Lebanon County, 8.1% of the county. 213 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lebanon County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Lebanon County borrowers. 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.