Mortgage lending in Centre County, Pennsylvania
Lenders in Centre County, Pennsylvania reported 3,789 mortgage applications for 2025, according to the CFPB.
3,789 mortgage applications and 2,650 loans originated in 2025; the denial rate was 15.8% of 3,272 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: State College, PA MSA.
- 3,789
- Applications
- 2,650
- Loans originated
- 15.8%
- Denial rate
- 517 denied of 3,272 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,789 | 2,650 |
| 2024 | 3,247 | 2,260 |
| 2023 | 3,381 | 2,288 |
| 2022 | 4,599 | 3,272 |
| 2021 | 7,079 | 5,016 |
| 2020 | 7,011 | 4,975 |
| 2019 | 5,114 | 3,597 |
| 2018 | 4,642 | 3,301 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Kish Bank | 221 | 237 |
| Pennsylvania State Employees Credit Union | 184 | 246 |
| Citizens Bank, NA | 156 | 232 |
| First National Bank of PA | 154 | 262 |
| United Wholesale Mortgage | 151 | 172 |
| Fairway Independent Mort Corp | 127 | 149 |
| Rocket Mortgage | 109 | 143 |
| Northwest Bank | 104 | 146 |
| Jersey Shore State Bank | 100 | 124 |
| Penn State Federal Credit Union | 87 | 102 |
| Union Home Mortgage Corp. | 81 | 93 |
| PNC Bank N.A. | 74 | 124 |
| Reliance Savings Bank | 68 | 87 |
| M&T Bank | 66 | 85 |
| CNB Bank | 63 | 75 |
| Titan FCU | 51 | 52 |
| Pennymac Loan Services LLC | 47 | 63 |
| Old Dominion National Bank | 46 | 50 |
| First Commonwealth Bank | 32 | 56 |
| Planet Home Lending, LLC | 23 | 27 |
| CMG Mortgage Inc | 23 | 34 |
| Truist Bank | 23 | 44 |
| Newrez LLC | 22 | 43 |
| Navy Federal Credit Union | 21 | 33 |
| Mortgage Research Center | 19 | 43 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 108 | 12.2% of 90 decided |
| Black or African American | 51 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,019 | 16.0% of 2,636 decided |
| 2 or more minority races | under 10 | |
| Joint | 55 | no rate: base under 50 |
| Race Not Available | 550 | 15.4% of 454 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 46 | no rate: base under 50 |
| Not Hispanic or Latino | 3,138 | 15.8% of 2,729 decided |
| Joint | 34 | no rate: base under 50 |
| Ethnicity Not Available | 571 | 15.2% of 473 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,083 | 19.1% of 916 decided |
| Female | 655 | 17.7% of 576 decided |
| Joint | 1,702 | 12.5% of 1,501 decided |
| Sex Not Available | 349 | 19.0% of 279 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. 1051 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