Mortgage lending in Cambria County, Pennsylvania
Lenders in Cambria County, Pennsylvania reported 3,589 mortgage applications for 2025, according to the CFPB.
3,589 mortgage applications and 2,188 loans originated in 2025; the denial rate was 26.1% of 3,073 applications decided. The median loan was about $85,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Johnstown, PA MSA.
- 3,589
- Applications
- 2,188
- Loans originated
- 26.1%
- Denial rate
- 802 denied of 3,073 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,589 | 2,188 |
| 2024 | 3,305 | 2,034 |
| 2023 | 3,237 | 2,044 |
| 2022 | 4,185 | 2,630 |
| 2021 | 4,986 | 3,231 |
| 2020 | 4,545 | 2,875 |
| 2019 | 3,721 | 2,306 |
| 2018 | 3,585 | 2,264 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Commonwealth Bank | 296 | 496 |
| First National Bank of PA | 271 | 484 |
| 1ST Summit Bank | 167 | 234 |
| Rocket Mortgage | 139 | 213 |
| Primelending | 115 | 137 |
| Penncrest Bank | 102 | 116 |
| Ameriserv Financial Bank | 89 | 123 |
| S&T Bank | 89 | 149 |
| Somerset Trust Company | 74 | 82 |
| Pennsylvania State Employees Credit Union | 66 | 106 |
| InFirst Bank | 54 | 60 |
| Slovenian Savings & Loan Association of Franklin-Conemaugh | 45 | 50 |
| Mortgage Research Center | 45 | 88 |
| Northwest Bank | 42 | 54 |
| CNB Bank | 30 | 34 |
| Ussco Federal Credit Union | 25 | 37 |
| Paramount Residential Mortgage | 25 | 28 |
| United Wholesale Mortgage | 25 | 41 |
| C-B-W Schools Federal Credit Union | 18 | 18 |
| loanDepot.com LLC | 18 | 35 |
| Pennymac Loan Services LLC | 18 | 39 |
| Flagstar Bank NA | 18 | 24 |
| New American Funding, LLC. | 17 | 54 |
| Reliance Savings Bank | 15 | 18 |
| Total Mortgage Services, LLC | 15 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 37 | no rate: base under 50 |
| Black or African American | 103 | 33.3% of 81 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,068 | 25.4% of 2,661 decided |
| 2 or more minority races | under 10 | |
| Joint | 20 | no rate: base under 50 |
| Race Not Available | 343 | 28.9% of 266 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 57 | 41.2% of 51 decided |
| Not Hispanic or Latino | 3,149 | 25.4% of 2,726 decided |
| Joint | 20 | no rate: base under 50 |
| Ethnicity Not Available | 363 | 29.5% of 281 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,318 | 28.9% of 1,095 decided |
| Female | 793 | 30.0% of 676 decided |
| Joint | 1,248 | 21.0% of 1,120 decided |
| Sex Not Available | 230 | 26.4% of 182 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. 2811 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