Mortgage lending in Lancaster County, Pennsylvania
Lenders in Lancaster County, Pennsylvania reported 18,244 mortgage applications for 2025, according to the CFPB.
18,244 mortgage applications and 11,699 loans originated in 2025; the denial rate was 21.0% of 15,577 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: Lancaster, PA MSA.
- 18,244
- Applications
- 11,699
- Loans originated
- 21.0%
- Denial rate
- 3,264 denied of 15,577 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 18,244 | 11,699 |
| 2024 | 16,566 | 10,203 |
| 2023 | 15,952 | 9,934 |
| 2022 | 21,959 | 14,413 |
| 2021 | 32,264 | 22,166 |
| 2020 | 29,391 | 19,896 |
| 2019 | 21,644 | 14,704 |
| 2018 | 20,140 | 13,294 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Members 1ST Fcu | 1,216 | 2,003 |
| Fulton Bank, National Association | 899 | 1,218 |
| Guild Mortgage Company | 765 | 905 |
| The Ephrata National Bank | 659 | 921 |
| Rocket Mortgage | 627 | 823 |
| Pennsylvania State Employees Credit Union | 458 | 618 |
| PNC Bank N.A. | 367 | 605 |
| Truist Bank | 355 | 607 |
| Crosscountry Mortgage, LLC | 278 | 348 |
| Pennymac Loan Services LLC | 270 | 400 |
| Univest Bank and Trust Co. | 263 | 330 |
| Bank of Bird in Hand | 248 | 252 |
| United Wholesale Mortgage | 230 | 312 |
| Belco Community Credit Union | 226 | 346 |
| Citizens Bank, NA | 205 | 347 |
| New American Funding, LLC. | 195 | 309 |
| Northwest Bank | 172 | 235 |
| Fairway Independent Mort Corp | 158 | 180 |
| First National Bank of PA | 147 | 275 |
| M&T Bank | 135 | 207 |
| loanDepot.com LLC | 123 | 203 |
| HomeSale Mortgage | 122 | 125 |
| Orrstown Bank | 117 | 154 |
| Citadel Federal Credit Union | 114 | 231 |
| Newrez LLC | 104 | 292 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 61 | 43.1% of 51 decided |
| Asian | 467 | 28.5% of 368 decided |
| Black or African American | 566 | 33.3% of 435 decided |
| Native Hawaiian or Other Pacific Islander | 32 | no rate: base under 50 |
| White | 14,155 | 19.8% of 12,339 decided |
| 2 or more minority races | withheld | |
| Joint | 321 | 15.3% of 261 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,627 | 23.9% of 2,083 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,272 | 33.6% of 1,059 decided |
| Not Hispanic or Latino | 14,171 | 19.7% of 12,276 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,481 | 22.5% of 1,966 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,804 | 23.7% of 4,928 decided |
| Female | 3,417 | 27.2% of 2,898 decided |
| Joint | 7,537 | 16.0% of 6,586 decided |
| Sex Not Available | 1,486 | 21.6% of 1,165 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. 1053 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