PlainLender
2024 data HMDA 2024 disclosure official source

Mifflin County

1,243 mortgage applications, 18.5% denial rate. Verify FIPS 42087 with U.S. Census Bureau →

PlainLender home → About this data

Pennsylvania · FIPS 42087

Local mortgage market. Mifflin County, Pennsylvania saw 1,243 HMDA-reported mortgage applications in 2024. Lenders originated 775 of those loans and denied 230, producing a denial rate of 18.5% and an approval (origination) rate of 62.3%. The average loan amount was $120,736 at an average note rate of 7.32%, with applicants self-reporting average annual income of $34K. 99 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 42087 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,243
Applications
775
Originated
18.5%
Denial Rate
62.3%
Approval Rate
$120,736
Avg Loan Amount
7.32%
Avg Interest Rate
$34K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Mifflin 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 Kish Bank 224 28.9%
2 PA State Employees Cu 60 7.7%
3 Rocket Mortgage 60 7.7%
4 The Juniata Valley Bank 60 7.7%
5 First National Bank of PA 59 7.6%
Compare Kish Bank vs PA State Employees Cu →

Frequently Asked Questions

How many mortgage applications were filed in Mifflin County?
In the 2024 HMDA reporting year, 1,243 mortgage applications were filed in Mifflin County, Pennsylvania. Of these, 775 were originated (approved and funded), while 230 were denied, resulting in a denial rate of 18.5%.
What is the mortgage denial rate in Mifflin County?
The mortgage denial rate in Mifflin County is 18.5%. The approval (origination) rate is 62.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Mifflin County?
The average mortgage loan amount in Mifflin County is $120,736. The average interest rate is 7.321%. The average applicant income is $34K.
What is the loan-to-income ratio in Mifflin County?
The average loan-to-income ratio in Mifflin County is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Mifflin County?
The top mortgage lenders in Mifflin County by origination volume are Kish Bank, PA State Employees Cu, Rocket Mortgage. In total, 99 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.