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2024 data HMDA 2024 disclosure official source

Venango County

1,155 mortgage applications, 18.8% denial rate. Verify FIPS 42121 with U.S. Census Bureau →

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Pennsylvania · FIPS 42121

Local mortgage market. Venango County, Pennsylvania saw 1,155 HMDA-reported mortgage applications in 2024. Lenders originated 630 of those loans and denied 217, producing a denial rate of 18.8% and an approval (origination) rate of 54.5%. The average loan amount was $119,658 at an average note rate of 7.43%, with applicants self-reporting average annual income of $35K. 89 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 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 42121 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,155
Applications
630
Originated
18.8%
Denial Rate
54.5%
Approval Rate
$119,658
Avg Loan Amount
7.43%
Avg Interest Rate
$35K
Avg Applicant Income
3.4x
Loan-to-Income Ratio

Nearby Lenders in Venango 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 Northwest Bank 85 13.5%
2 CBNA Year to Date 61 9.7%
3 Tidewater Mortgage Services, INC 60 9.5%
4 Rocket Mortgage 46 7.3%
5 Pnc Bank N.A. 41 6.5%
Compare Northwest Bank vs CBNA Year to Date →

Frequently Asked Questions

How many mortgage applications were filed in Venango County?
In the 2024 HMDA reporting year, 1,155 mortgage applications were filed in Venango County, Pennsylvania. Of these, 630 were originated (approved and funded), while 217 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Venango County?
The mortgage denial rate in Venango County is 18.8%. The approval (origination) rate is 54.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Venango County?
The average mortgage loan amount in Venango County is $119,658. The average interest rate is 7.435%. The average applicant income is $35K.
What is the loan-to-income ratio in Venango County?
The average loan-to-income ratio in Venango County is 3.4x, meaning borrowers took on loans averaging 3.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Venango County?
The top mortgage lenders in Venango County by origination volume are Northwest Bank, CBNA Year to Date, Tidewater Mortgage Services, INC. In total, 89 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.