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2024 data HMDA 2024 disclosure official source

Susquehanna County

1,168 mortgage applications, 20.6% denial rate. Verify FIPS 42115 with U.S. Census Bureau →

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Pennsylvania · FIPS 42115

Local mortgage market. Susquehanna County, Pennsylvania saw 1,168 HMDA-reported mortgage applications in 2024. Lenders originated 630 of those loans and denied 240, producing a denial rate of 20.6% and an approval (origination) rate of 53.9%. The average loan amount was $166,002 at an average note rate of 6.59%, with applicants self-reporting average annual income of $36K. 120 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 42115 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,168
Applications
630
Originated
20.6%
Denial Rate
53.9%
Approval Rate
$166,002
Avg Loan Amount
6.59%
Avg Interest Rate
$36K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Susquehanna 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 Peoples Security Bank and Trust Company 92 14.6%
2 Rocket Mortgage 56 8.9%
3 Nbt Bank NA 45 7.1%
4 The Honesdale National Bank 37 5.9%
5 Summit Mortgage Corporation 31 4.9%
Compare Peoples Security Bank and Trust Company vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Susquehanna County?
In the 2024 HMDA reporting year, 1,168 mortgage applications were filed in Susquehanna County, Pennsylvania. Of these, 630 were originated (approved and funded), while 240 were denied, resulting in a denial rate of 20.6%.
What is the mortgage denial rate in Susquehanna County?
The mortgage denial rate in Susquehanna County is 20.6%. The approval (origination) rate is 53.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Susquehanna County?
The average mortgage loan amount in Susquehanna County is $166,002. The average interest rate is 6.587%. The average applicant income is $36K.
What is the loan-to-income ratio in Susquehanna County?
The average loan-to-income ratio in Susquehanna County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Susquehanna County?
The top mortgage lenders in Susquehanna County by origination volume are Peoples Security Bank and Trust Company, Rocket Mortgage, Nbt Bank NA. In total, 120 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.