Northumberland County
Pennsylvania · FIPS 42097
According to CFPB HMDA 2024 application volume among U.S. counties, Northumberland County ranks #853 of 3,210, and #35 of 67 in Pennsylvania.
Mortgage lending activity in Northumberland 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Northumberland County
In Northumberland County, lead originator Service 1st Federal Credit Uni funded 13.4% of 1,409 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.8% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Northumberland County's 2,308 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Northumberland County's $127,929 average loan (deduped against volume peers).
Lenders active in Northumberland County
Service 1st Federal Credit Uni funded 189 of the 1,409 loans originated in Northumberland County, 13.4% of the county. 145 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Northumberland County borrowers.
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 Northumberland County 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. 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.