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2024 data HMDA 2024 disclosure official source

Perry County

1,762 mortgage applications, 20.4% denial rate. Verify FIPS 42099 with U.S. Census Bureau →

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Pennsylvania · FIPS 42099

Local mortgage market. Perry County, Pennsylvania saw 1,762 HMDA-reported mortgage applications in 2024. Lenders originated 1,023 of those loans and denied 359, producing a denial rate of 20.4% and an approval (origination) rate of 58.1%. The average loan amount was $154,557 at an average note rate of 6.46%, with applicants self-reporting average annual income of $36K. 123 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 42099 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,762
Applications
1,023
Originated
20.4%
Denial Rate
58.1%
Approval Rate
$154,557
Avg Loan Amount
6.46%
Avg Interest Rate
$36K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Perry 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 Members 1st 184 18.0%
2 The Bank of Landisburg 112 10.9%
3 PA State Employees Cu 85 8.3%
4 Rocket Mortgage 53 5.2%
5 United Wholesale Mortgage 51 5.0%
Compare Members 1st vs The Bank of Landisburg →

Frequently Asked Questions

How many mortgage applications were filed in Perry County?
In the 2024 HMDA reporting year, 1,762 mortgage applications were filed in Perry County, Pennsylvania. Of these, 1,023 were originated (approved and funded), while 359 were denied, resulting in a denial rate of 20.4%.
What is the mortgage denial rate in Perry County?
The mortgage denial rate in Perry County is 20.4%. The approval (origination) rate is 58.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Perry County?
The average mortgage loan amount in Perry County is $154,557. The average interest rate is 6.465%. The average applicant income is $36K.
What is the loan-to-income ratio in Perry County?
The average loan-to-income ratio in Perry County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Perry County?
The top mortgage lenders in Perry County by origination volume are Members 1st, The Bank of Landisburg, PA State Employees Cu. In total, 123 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.