Mortgage lending in Cumberland County, Pennsylvania
Lenders in Cumberland County, Pennsylvania reported 10,042 mortgage applications for 2025, according to the CFPB.
10,042 mortgage applications and 6,526 loans originated in 2025; the denial rate was 19.5% of 8,500 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: Harrisburg-Carlisle, PA MSA.
- 10,042
- Applications
- 6,526
- Loans originated
- 19.5%
- Denial rate
- 1,657 denied of 8,500 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,042 | 6,526 |
| 2024 | 9,564 | 6,031 |
| 2023 | 8,865 | 5,549 |
| 2022 | 12,260 | 8,054 |
| 2021 | 18,751 | 12,782 |
| 2020 | 17,638 | 11,915 |
| 2019 | 12,069 | 8,121 |
| 2018 | 11,065 | 7,486 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Members 1ST Fcu | 1,144 | 1,811 |
| Pennsylvania State Employees Credit Union | 406 | 546 |
| Rocket Mortgage | 355 | 487 |
| United Wholesale Mortgage | 294 | 374 |
| Pennymac Loan Services LLC | 237 | 337 |
| First National Bank of PA | 222 | 282 |
| Orrstown Bank | 174 | 239 |
| Citizens Bank, NA | 150 | 220 |
| New American Funding, LLC. | 144 | 228 |
| Fairway Independent Mort Corp | 133 | 158 |
| Guild Mortgage Company | 130 | 155 |
| M&T Bank | 125 | 171 |
| Belco Community Credit Union | 122 | 178 |
| PNC Bank N.A. | 114 | 188 |
| Farmers and Merchants Trust Company of Chambersburg | 104 | 139 |
| Crosscountry Mortgage, LLC | 99 | 132 |
| Fulton Bank, National Association | 92 | 133 |
| Navy Federal Credit Union | 87 | 149 |
| Movement Mortgage, LLC | 78 | 94 |
| Foote Capital Mortgage Company | 62 | 71 |
| Mid Penn Bank | 61 | 79 |
| Guaranteed Rate Affinity, LLC | 58 | 66 |
| loanDepot.com LLC | 58 | 90 |
| First Community Mortgage, Inc. | 57 | 68 |
| Mortgage Research Center | 53 | 124 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 35 | no rate: base under 50 |
| Asian | 991 | 19.6% of 796 decided |
| Black or African American | 235 | 26.4% of 197 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 7,225 | 19.1% of 6,239 decided |
| 2 or more minority races | withheld | |
| Joint | 150 | 21.4% of 126 decided |
| Race Not Available | 1,377 | 19.5% of 1,087 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 322 | 22.6% of 274 decided |
| Not Hispanic or Latino | 8,201 | 19.3% of 7,029 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,380 | 19.6% of 1,083 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,298 | 21.2% of 2,717 decided |
| Female | 2,165 | 25.6% of 1,848 decided |
| Joint | 3,802 | 14.8% of 3,328 decided |
| Sex Not Available | 777 | 18.9% of 607 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. 1052 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