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2024 data HMDA 2024 disclosure official source

Westmoreland County

11,895 mortgage applications, 18.2% denial rate. Verify FIPS 42129 with U.S. Census Bureau →

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Pennsylvania · FIPS 42129

Local mortgage market. Westmoreland County, Pennsylvania saw 11,895 HMDA-reported mortgage applications in 2024. Lenders originated 6,825 of those loans and denied 2,167, producing a denial rate of 18.2% and an approval (origination) rate of 57.4%. The average loan amount was $154,586 at an average note rate of 7.28%, with applicants self-reporting average annual income of $36K. 267 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 42129 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,895
Applications
6,825
Originated
18.2%
Denial Rate
57.4%
Approval Rate
$154,586
Avg Loan Amount
7.28%
Avg Interest Rate
$36K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Westmoreland 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 Pnc Bank N.A. 553 8.1%
2 Dollar Bank, FSB 490 7.2%
3 S&T Bank 441 6.5%
4 Rocket Mortgage 411 6.0%
5 First National Bank of PA 355 5.2%
Compare Pnc Bank N.A. vs Dollar Bank, FSB →

Frequently Asked Questions

How many mortgage applications were filed in Westmoreland County?
In the 2024 HMDA reporting year, 11,895 mortgage applications were filed in Westmoreland County, Pennsylvania. Of these, 6,825 were originated (approved and funded), while 2,167 were denied, resulting in a denial rate of 18.2%.
What is the mortgage denial rate in Westmoreland County?
The mortgage denial rate in Westmoreland County is 18.2%. The approval (origination) rate is 57.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Westmoreland County?
The average mortgage loan amount in Westmoreland County is $154,586. The average interest rate is 7.276%. The average applicant income is $36K.
What is the loan-to-income ratio in Westmoreland County?
The average loan-to-income ratio in Westmoreland 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 Westmoreland County?
The top mortgage lenders in Westmoreland County by origination volume are Pnc Bank N.A., Dollar Bank, FSB, S&T Bank. In total, 267 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.