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TRADITIONS BANK

YORK, PA

TRADITIONS BANK processed 1,197 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 994 loans with a 8.3% denial rate. Home Purchase was the primary loan purpose. Based in YORK, PA. The approval rate of 83.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. TRADITIONS BANK processed 1,197 HMDA-reported mortgage applications in 2024, originating 994 loans and denying 99 for a denial rate of 8.3% (applicants themselves withdrew 73 files before a decision). The average loan amount was $259,302 at a 7.020% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 549300WIBPMHJJ84YQ06 from YORK, PA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. TRADITIONS BANK's 83.0% origination rate tells you how often an application turned into funded money; the 8.3% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,036 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,197
Applications
994
Originated
8.3%
Denial Rate
$259,302
Avg Loan Amount
Avg Interest Rate: 7.020% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,036 866 85 $260,560
FHA 134 104 13 $246,343
VA 25 23 0 $283,400
USDA 2 1 1 $175,000

Top loan types — TRADITIONS BANK

Top loan types — TRADITIONS BANK Horizontal bar chart of the top 4 items by value (applications). Top loan types — TRADITIONS BANK Top 4 1. Conventional 1,036 2. FHA 134 3. VA 25 4. USDA 2 Top 5 loan types by application volume at TRADITIONS BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for TRADITIONS BANK (LEI: 549300WIBPMHJJ84YQ06) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
50
Credit history
40
Collateral
22
Employment history
9
Other
6
Insufficient cash
2
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 919 819 $288,319
Other 167 94 $131,647
Refinancing 59 50 $221,610
Cash-out Refinancing 40 25 $234,750
Home Improvement 12 6 $80,833

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 1,031 84.0% 7.8%
Black or African American 69 75.4% 11.6%
Joint 17 76.5% 11.8%
Asian 13 84.6% 7.7%
American Indian or Alaska Native 3 66.7% 0.0%
2 or more minority races 1 100.0% 0.0%
Native Hawaiian or Other Pacific Islander 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 981 83.6% 8.0%
Hispanic or Latino 134 82.1% 9.0%
Joint 15 80.0% 13.3%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

NEWREZ LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

PNC BANK N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

SPRING EQ, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

NVR MORTGAGE FINANCE, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

FIRST NATIONAL BANK OF PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare TRADITIONS BANK vs NEWREZ LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did TRADITIONS BANK process?
TRADITIONS BANK processed 1,197 mortgage applications in the 2023 HMDA reporting year. Of these, 994 were originated (approved and funded), 73 were withdrawn by the applicant, and 99 were denied.
What is TRADITIONS BANK's mortgage approval rate?
TRADITIONS BANK has an approval (origination) rate of 83.0%, meaning 83.0% of all applications resulted in a funded mortgage. The denial rate is 8.3%.
What is the average loan amount at TRADITIONS BANK?
The average mortgage loan amount at TRADITIONS BANK is $259,302. The average interest rate is 7.020%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at TRADITIONS BANK?
The most common reasons for mortgage denial at TRADITIONS BANK are: Debt-to-income ratio, Credit history, Collateral. In total, 99 applications were denied out of 1,197 total applications.
What types of mortgage loans does TRADITIONS BANK offer?
TRADITIONS BANK processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 1,036 applications and an average loan amount of $260,560.
What loan purposes does TRADITIONS BANK serve?
TRADITIONS BANK serves the following loan purposes: Home Purchase (919 applications), Other (167 applications), Refinancing (59 applications), Cash-out Refinancing (40 applications), Home Improvement (12 applications). Home Purchase is the most common purpose.
Where is TRADITIONS BANK located?
TRADITIONS BANK is headquartered in YORK, PA. The lender is identified by LEI 549300WIBPMHJJ84YQ06 in HMDA data.
How does TRADITIONS BANK compare in lending across racial demographics?
TRADITIONS BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 84.0% and denial rate of 7.8%; Black or African American applicants have an approval rate of 75.4% and denial rate of 11.6%; Joint applicants have an approval rate of 76.5% and denial rate of 11.8%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.