PA · Statewide HMDA 2024
Pennsylvania mortgage lending
According to the CFPB HMDA 2024 Snapshot, 1,020 reporting lenders · 67 counties · 17 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Pennsylvania ranks #7 of 54 by application volume but #17 of 52 states with 10,000+ applications on origination share (55.1%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #17
- Origination-share rank of 52
- 55.1%
- Origination share
- 245,951
- Originated
- 18.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
446,744reported applications
CFPB HMDA state filing plate
State PA · Pennsylvania 18.4% denial
VOL-HEAVY · DEN-MID · PHOTO-FINISH · ORIG-LOW · BOOK-FULL · LEAD-MIX
- VOL-HEAVY #7/54
- DEN-MID 18.4%
- PHOTO-FINISH Michigan
- ORIG-LOW 55.1%
- BOOK-FULL 1020 lenders
- LEAD-MIX 6% top
Photo-finish peer: Michigan · 18.4% denial (+0.0pp vs Pennsylvania)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Pennsylvania
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Pennsylvania: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (18.4% here).
Similar application volume
Nearest states by HMDA applications filed (446,744 here).
Top lenders by originations · Pennsylvania
Funded loans among HMDA-reporting institutions active in this state.
Where Pennsylvania sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
446,744 Top 13% higher than 87% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Pennsylvania
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Pennsylvania filed 446,744 HMDA-reported applications in 2024 (#7 of 54 by volume) with a 18.4% denial rate - near the national 17.2% baseline. White applicants (282,715 apps) show 18.5% denial; Black or African American applicants (31,886 apps) show 30.6% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Pennsylvania
Top HMDA-reporting lenders active in Pennsylvania. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 13,900 | 5.7% |
| 2 | CBNA Year to Date | 9,085 | 3.7% |
| 3 | Pnc Bank N.A. | 8,902 | 3.6% |
| 4 | United Wholesale Mortgage | 7,776 | 3.2% |
| 5 | Crosscountry Mortgage, LLC | 7,065 | 2.9% |
Reported outcomes by applicant race in Pennsylvania
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 282,715 | 63.1% | 18.5% |
| Black or African American | 31,886 | 46.1% | 30.6% |
| Asian | 18,768 | 59.1% | 17.4% |
| Joint | 5,824 | 64.1% | 16.7% |
| American Indian or Alaska Native | 1,442 | 41.5% | 32.3% |
| 2 or more minority races | 737 | 42.5% | 34.1% |
| Native Hawaiian or Other Pacific Islander | 706 | 41.6% | 35.8% |
Every county in Pennsylvania, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Philadelphia County | 48,314 | 22,965 | 22.2% | $246,428 |
| Allegheny County | 42,481 | 23,451 | 16.9% | $212,133 |
| Montgomery County | 31,529 | 17,499 | 15.6% | $298,951 |
| Bucks County | 23,032 | 12,569 | 17.1% | $299,518 |
| Delaware County | 21,004 | 11,057 | 18.5% | $245,924 |
| York County | 20,551 | 11,548 | 18.7% | $189,014 |
| Chester County | 20,413 | 11,446 | 15.3% | $342,266 |
| Lancaster County | 17,696 | 10,201 | 19.6% | $202,617 |
| Berks County | 15,463 | 8,750 | 18.9% | $184,110 |
| Lehigh County | 13,465 | 7,342 | 18.1% | $227,043 |
| Westmoreland County | 11,895 | 6,825 | 18.2% | $154,586 |
| Northampton County | 11,529 | 6,160 | 18.4% | $227,102 |
| Dauphin County | 11,007 | 6,155 | 20.1% | $177,710 |
| Luzerne County | 10,885 | 6,122 | 18.2% | $162,985 |
| Cumberland County | 10,369 | 6,029 | 17.8% | $216,028 |
| Monroe County | 9,149 | 4,322 | 20.4% | $215,046 |
| Washington County | 7,541 | 4,215 | 17.1% | $190,312 |
| Erie County | 7,360 | 4,326 | 20.1% | $138,490 |
| Butler County | 7,147 | 4,280 | 13.5% | $236,595 |
| Lackawanna County | 7,124 | 4,096 | 16.9% | $170,476 |
| Beaver County | 6,233 | 3,457 | 18.0% | $155,804 |
| Franklin County | 6,155 | 3,558 | 17.0% | $184,974 |
| Lebanon County | 4,984 | 2,970 | 16.8% | $186,276 |
| Schuylkill County | 4,687 | 2,463 | 20.0% | $140,931 |
| Adams County | 4,223 | 2,367 | 19.1% | $195,826 |
| Pike County | 3,635 | 1,845 | 17.9% | $201,520 |
| Lycoming County | 3,611 | 2,460 | 13.5% | $143,003 |
| Fayette County | 3,528 | 1,902 | 21.6% | $120,672 |
| Cambria County | 3,500 | 2,035 | 22.3% | $102,029 |
| Centre County | 3,375 | 2,260 | 14.6% | $220,339 |
| Carbon County | 3,277 | 1,761 | 17.6% | $183,608 |
| Blair County | 3,255 | 1,972 | 18.2% | $135,836 |
| Mercer County | 3,252 | 1,805 | 19.6% | $130,839 |
| Lawrence County | 2,978 | 1,600 | 20.9% | $129,258 |
| Northumberland County | 2,308 | 1,409 | 17.7% | $127,929 |
| Crawford County | 2,221 | 1,295 | 19.4% | $125,446 |
| Wayne County | 2,220 | 1,258 | 16.5% | $205,032 |
| Somerset County | 2,203 | 1,260 | 22.1% | $127,601 |
| Indiana County | 2,198 | 1,264 | 20.6% | $131,438 |
| Clearfield County | 2,193 | 1,320 | 20.0% | $115,264 |
| Columbia County | 1,877 | 1,151 | 16.3% | $150,088 |
| Armstrong County | 1,820 | 1,051 | 18.7% | $121,769 |
| Perry County | 1,762 | 1,023 | 20.4% | $154,557 |
| Bradford County | 1,640 | 955 | 18.0% | $145,738 |
| Bedford County | 1,369 | 809 | 21.8% | $132,714 |
| Clinton County | 1,262 | 771 | 16.3% | $147,084 |
| Mifflin County | 1,243 | 775 | 18.5% | $120,736 |
| Huntingdon County | 1,191 | 728 | 19.5% | $127,754 |
| Susquehanna County | 1,168 | 630 | 20.6% | $166,002 |
| Tioga County | 1,159 | 696 | 17.7% | $134,733 |
| Venango County | 1,155 | 630 | 18.8% | $119,658 |
| Jefferson County | 1,073 | 636 | 21.3% | $112,801 |
| Warren County | 949 | 559 | 18.6% | $114,431 |
| Union County | 865 | 584 | 15.1% | $176,792 |
| Wyoming County | 775 | 436 | 19.7% | $165,206 |
| Elk County | 756 | 425 | 23.5% | $104,577 |
| Snyder County | 737 | 454 | 18.6% | $155,977 |
| Greene County | 707 | 402 | 18.8% | $123,642 |
| McKean County | 675 | 369 | 23.0% | $106,852 |
| Clarion County | 669 | 399 | 17.8% | $134,178 |
| Juniata County | 557 | 331 | 20.1% | $126,257 |
| Montour County | 539 | 377 | 11.3% | $188,395 |
| Potter County | 442 | 249 | 22.4% | $132,896 |
| Fulton County | 424 | 219 | 26.4% | $132,335 |
| Sullivan County | 218 | 130 | 17.4% | $178,716 |
| Forest County | 144 | 72 | 26.4% | $103,681 |
| Cameron County | 82 | 40 | 25.6% | $72,683 |
Metro Areas in Pennsylvania
Frequently Asked Questions
How many mortgage applications were filed in Pennsylvania?
Where does Pennsylvania sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Pennsylvania?
What is the average mortgage loan amount in Pennsylvania?
How many mortgage lenders operate in Pennsylvania?
How do mortgage denial rates vary by demographics in Pennsylvania?
Which counties in Pennsylvania have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.