Mortgage lending in Bedford County, Pennsylvania
Lenders in Bedford County, Pennsylvania reported 1,613 mortgage applications for 2025, according to the CFPB.
1,613 mortgage applications and 1,003 loans originated in 2025; the denial rate was 23.5% of 1,386 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bedford County, PA.
- 1,613
- Applications
- 1,003
- Loans originated
- 23.5%
- Denial rate
- 326 denied of 1,386 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,613 | 1,003 |
| 2024 | 1,291 | 807 |
| 2023 | 1,438 | 896 |
| 2022 | 1,979 | 1,233 |
| 2021 | 2,412 | 1,567 |
| 2020 | 2,283 | 1,466 |
| 2019 | 1,864 | 1,132 |
| 2018 | 1,730 | 1,044 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Hometown Bank of Pennsylvania | 131 | 179 |
| First Commonwealth Bank | 101 | 157 |
| Somerset Trust Company | 73 | 91 |
| First National Bank of PA | 57 | 103 |
| EMM Loans LLC | 55 | 59 |
| Rocket Mortgage | 52 | 83 |
| Altoona First Savings Bank | 43 | 49 |
| M&T Bank | 42 | 64 |
| Pennsylvania State Employees Credit Union | 32 | 50 |
| Community State Bank of Orbisonia | 28 | 38 |
| Dollar Bank, FSB | 22 | 31 |
| Mortgage Research Center | 17 | 27 |
| Citizens Bank, NA | 17 | 27 |
| Truist Bank | 14 | 33 |
| Radius Financial Group Inc | 13 | 13 |
| Reliance Savings Bank | 11 | 14 |
| First Peoples Cfcu | 11 | 16 |
| loanDepot.com LLC | 11 | 26 |
| United Wholesale Mortgage | 11 | 17 |
| Union Home Mortgage Corp. | 10 | 16 |
| Horizon Farm Credit, ACA | 9 | 10 |
| New American Funding, LLC. | 8 | 22 |
| Pennymac Loan Services LLC | 8 | 18 |
| AmeriHome Mortgage Company, LLC | 7 | 8 |
| Freedom Mortgage Corporation | 7 | 16 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 1,448 | 22.6% of 1,258 decided |
| Joint | under 10 | |
| Race Not Available | 147 | 33.3% of 114 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 14 | no rate: base under 50 |
| Not Hispanic or Latino | 1,429 | 22.1% of 1,248 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 163 | 36.8% of 125 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 541 | 24.3% of 449 decided |
| Female | 285 | 33.1% of 239 decided |
| Joint | 676 | 17.9% of 614 decided |
| Sex Not Available | 111 | 33.3% of 84 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2716 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved