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2024 data HMDA 2024 disclosure official source

Snyder County

737 mortgage applications, 18.6% denial rate. Verify FIPS 42109 with U.S. Census Bureau →

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Pennsylvania · FIPS 42109

Local mortgage market. Snyder County, Pennsylvania saw 737 HMDA-reported mortgage applications in 2024. Lenders originated 454 of those loans and denied 137, producing a denial rate of 18.6% and an approval (origination) rate of 61.6%. The average loan amount was $155,977 at an average note rate of 7.22%, with applicants self-reporting average annual income of $36K. 75 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 42109 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

737
Applications
454
Originated
18.6%
Denial Rate
61.6%
Approval Rate
$155,977
Avg Loan Amount
7.22%
Avg Interest Rate
$36K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Snyder 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 Fulton Bank, National Association 70 15.4%
2 Service 1st Federal Credit Uni 53 11.7%
3 PA State Employees Cu 45 9.9%
4 Rocket Mortgage 33 7.3%
5 Susquehanna Community Bank 33 7.3%
Compare Fulton Bank, National Association vs Service 1st Federal Credit Uni →

Frequently Asked Questions

How many mortgage applications were filed in Snyder County?
In the 2024 HMDA reporting year, 737 mortgage applications were filed in Snyder County, Pennsylvania. Of these, 454 were originated (approved and funded), while 137 were denied, resulting in a denial rate of 18.6%.
What is the mortgage denial rate in Snyder County?
The mortgage denial rate in Snyder County is 18.6%. The approval (origination) rate is 61.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Snyder County?
The average mortgage loan amount in Snyder County is $155,977. The average interest rate is 7.217%. The average applicant income is $36K.
What is the loan-to-income ratio in Snyder County?
The average loan-to-income ratio in Snyder 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 Snyder County?
The top mortgage lenders in Snyder County by origination volume are Fulton Bank, National Association, Service 1st Federal Credit Uni, PA State Employees Cu. In total, 75 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.