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2024 data HMDA 2024 disclosure official source

Northumberland County

2,308 mortgage applications, 17.7% denial rate. Verify FIPS 42097 with U.S. Census Bureau →

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Pennsylvania · FIPS 42097

Local mortgage market. Northumberland County, Pennsylvania saw 2,308 HMDA-reported mortgage applications in 2024. Lenders originated 1,409 of those loans and denied 409, producing a denial rate of 17.7% and an approval (origination) rate of 61.0%. The average loan amount was $127,929 at an average note rate of 7.29%, with applicants self-reporting average annual income of $35K. 145 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 42097 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,308
Applications
1,409
Originated
17.7%
Denial Rate
61.0%
Approval Rate
$127,929
Avg Loan Amount
7.29%
Avg Interest Rate
$35K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Northumberland 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 Service 1st Federal Credit Uni 189 13.4%
2 Rocket Mortgage 95 6.7%
3 PA State Employees Cu 93 6.6%
4 Journey Bank 85 6.0%
5 M&T Bank 70 5.0%
Compare Service 1st Federal Credit Uni vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Northumberland County?
In the 2024 HMDA reporting year, 2,308 mortgage applications were filed in Northumberland County, Pennsylvania. Of these, 1,409 were originated (approved and funded), while 409 were denied, resulting in a denial rate of 17.7%.
What is the mortgage denial rate in Northumberland County?
The mortgage denial rate in Northumberland County is 17.7%. The approval (origination) rate is 61.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Northumberland County?
The average mortgage loan amount in Northumberland County is $127,929. The average interest rate is 7.289%. The average applicant income is $35K.
What is the loan-to-income ratio in Northumberland County?
The average loan-to-income ratio in Northumberland County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Northumberland County?
The top mortgage lenders in Northumberland County by origination volume are Service 1st Federal Credit Uni, Rocket Mortgage, PA State Employees Cu. In total, 145 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.