Mortgage lending in Carbon County, Pennsylvania
Lenders in Carbon County, Pennsylvania reported 3,161 mortgage applications for 2025, according to the CFPB.
3,161 mortgage applications and 1,898 loans originated in 2025; the denial rate was 21.4% of 2,565 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Allentown-Bethlehem-Easton, PA HUD Metro FMR Area.
- 3,161
- Applications
- 1,898
- Loans originated
- 21.4%
- Denial rate
- 549 denied of 2,565 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,161 | 1,898 |
| 2024 | 2,948 | 1,762 |
| 2023 | 2,689 | 1,566 |
| 2022 | 3,736 | 2,248 |
| 2021 | 4,751 | 2,918 |
| 2020 | 3,929 | 2,353 |
| 2019 | 2,877 | 1,685 |
| 2018 | 2,620 | 1,573 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 163 | 228 |
| Crosscountry Mortgage, LLC | 102 | 138 |
| First Commonwealth Federal Cre | 87 | 116 |
| United Wholesale Mortgage | 73 | 98 |
| Mortgage America, Inc. | 65 | 72 |
| Mauch Chunk Trust Company | 50 | 73 |
| Jim Thorpe Neighborhood Bank | 50 | 54 |
| Pennsylvania State Employees Credit Union | 46 | 69 |
| Community Bank, N.A. | 41 | 70 |
| PNC Bank N.A. | 35 | 57 |
| Pennymac Loan Services LLC | 34 | 60 |
| First Northern Bank and Trust Company | 33 | 44 |
| Mortgage Research Center | 31 | 57 |
| CMG Mortgage Inc | 28 | 35 |
| Ixonia Bank | 28 | 34 |
| Movement Mortgage, LLC | 24 | 37 |
| Citizens Bank, NA | 23 | 60 |
| Keybank National Association | 23 | 43 |
| Kiavi Funding, Inc. | 22 | 39 |
| Guild Mortgage Company | 22 | 30 |
| Newrez LLC | 22 | 62 |
| Truist Bank | 22 | 45 |
| Prosperity Home Mortgage, LLC | 20 | 23 |
| New American Funding, LLC. | 19 | 46 |
| T2 Financial LLC | 19 | 24 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 59 | no rate: base under 50 |
| Black or African American | 90 | 32.4% of 68 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,345 | 20.8% of 1,937 decided |
| 2 or more minority races | under 10 | |
| Joint | 39 | no rate: base under 50 |
| Race Not Available | 611 | 21.9% of 470 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 223 | 23.2% of 177 decided |
| Not Hispanic or Latino | 2,281 | 20.4% of 1,878 decided |
| Joint | withheld | |
| Ethnicity Not Available | 599 | 24.2% of 459 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,145 | 22.5% of 906 decided |
| Female | 654 | 23.9% of 536 decided |
| Joint | 1,005 | 17.8% of 856 decided |
| Sex Not Available | 357 | 24.3% of 267 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. 1467 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