Montgomery County
Pennsylvania · FIPS 42091
According to CFPB HMDA 2024 application volume among U.S. counties, Montgomery County ranks #64 of 3,223, and #3 of 67 in Pennsylvania.
Mortgage lending activity in Montgomery 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. Montgomery County, Pennsylvania lenders denied 4,916 of the applications reported here, financing the rest at an average note rate of 7.23%, with applicants self-reporting average annual income of $37K. 473 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.1x, meaning typical borrowers took on mortgages of about 8.1 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 Montgomery County
In Montgomery County, lead originator CBNA Year to Date funded only 6.7% of 17,499 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 16.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Montgomery County's 31,529 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Montgomery County's $298,951 average loan (deduped against volume peers).
Lenders active in Montgomery County
CBNA Year to Date funded 1,165 of the 17,499 loans originated in Montgomery County, 6.7% of the county. 473 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | CBNA Year to Date | 1,165 | 6.7% |
| 2 | Police and Fire Federal Credit Union | 880 | 5.0% |
| 3 | Rocket Mortgage | 790 | 4.5% |
| 4 | Crosscountry Mortgage, LLC | 773 | 4.4% |
| 5 | Pnc Bank N.A. | 579 | 3.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Montgomery 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 Montgomery 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.