Mortgage lending in Bradford County, Pennsylvania
Lenders in Bradford County, Pennsylvania reported 1,545 mortgage applications for 2025, according to the CFPB.
1,545 mortgage applications and 970 loans originated in 2025; the denial rate was 22.5% of 1,293 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bradford County, PA.
- 1,545
- Applications
- 970
- Loans originated
- 22.5%
- Denial rate
- 291 denied of 1,293 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,545 | 970 |
| 2024 | 1,514 | 955 |
| 2023 | 1,414 | 852 |
| 2022 | 1,808 | 1,135 |
| 2021 | 2,391 | 1,529 |
| 2020 | 2,290 | 1,512 |
| 2019 | 1,779 | 1,112 |
| 2018 | 1,720 | 1,056 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Citizens & Northern Bank | 200 | 252 |
| Ixonia Bank | 114 | 127 |
| Rocket Mortgage | 64 | 102 |
| First Citizens Community Bank | 55 | 65 |
| PS Bank | 39 | 61 |
| Community Bank, N.A. | 37 | 51 |
| Ingersoll-Rand Federal Credit Union | 37 | 44 |
| Credit Union Mortgage Associat | 36 | 40 |
| Visions Federal Credit Union | 30 | 70 |
| M&T Bank | 30 | 56 |
| United Wholesale Mortgage | 20 | 41 |
| Mortgage Research Center | 18 | 37 |
| Freedom Mortgage Corporation | 15 | 30 |
| Chemung Canal Trust Company | 14 | 16 |
| Pennymac Loan Services LLC | 14 | 29 |
| Corning Credit Union | 13 | 20 |
| Pennsylvania State Employees Credit Union | 12 | 17 |
| 21ST Mortgage | 10 | 53 |
| Tioga State Bank, N.A. | 9 | 10 |
| Navy Federal Credit Union | 9 | 21 |
| Movement Mortgage, LLC | 9 | 9 |
| First Heritage Federal Credit Union | 9 | 16 |
| loanDepot.com LLC | 7 | 15 |
| Everett Financial, Inc. | 6 | 7 |
| Amerisave Mortgage Company | 6 | 19 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,327 | 22.3% of 1,126 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 191 | 24.3% of 148 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 15 | no rate: base under 50 |
| Not Hispanic or Latino | 1,287 | 21.4% of 1,092 decided |
| Joint | 20 | no rate: base under 50 |
| Ethnicity Not Available | 223 | 27.3% of 172 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 561 | 27.3% of 461 decided |
| Female | 307 | 21.2% of 259 decided |
| Joint | 553 | 17.2% of 477 decided |
| Sex Not Available | 124 | 29.2% of 96 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. 2251 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