Mortgage lending in Northumberland County, Pennsylvania
Lenders in Northumberland County, Pennsylvania reported 2,298 mortgage applications for 2025, according to the CFPB.
2,298 mortgage applications and 1,463 loans originated in 2025; the denial rate was 23.6% of 1,965 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Northumberland County, PA.
- 2,298
- Applications
- 1,463
- Loans originated
- 23.6%
- Denial rate
- 464 denied of 1,965 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,298 | 1,463 |
| 2024 | 2,179 | 1,411 |
| 2023 | 2,085 | 1,271 |
| 2022 | 2,551 | 1,554 |
| 2021 | 2,990 | 1,883 |
| 2020 | 2,647 | 1,655 |
| 2019 | 2,403 | 1,481 |
| 2018 | 2,260 | 1,367 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Service 1ST Federal Credit Uni | 199 | 220 |
| Rocket Mortgage | 107 | 154 |
| Pennsylvania State Employees Credit Union | 96 | 131 |
| M&T Bank | 75 | 121 |
| Journey Bank | 73 | 80 |
| First National Bank of PA | 62 | 111 |
| Fulton Bank, National Association | 58 | 95 |
| MC Federal Credit Union | 50 | 64 |
| Mifflinburg Bank & Trust | 39 | 39 |
| Susquehanna Community Bank | 39 | 43 |
| Jersey Shore State Bank | 33 | 37 |
| UNB Bank | 31 | 37 |
| United Wholesale Mortgage | 30 | 55 |
| Truist Bank | 24 | 53 |
| Mortgage Research Center | 23 | 52 |
| Mortgage America, Inc. | 22 | 26 |
| Pennymac Loan Services LLC | 21 | 39 |
| Members 1ST Fcu | 20 | 39 |
| First Commonwealth Bank | 18 | 30 |
| Primelending | 16 | 18 |
| First Heritage Financial LLC | 16 | 19 |
| Allied Mortgage Group, Inc | 15 | 19 |
| Crosscountry Mortgage, LLC | 15 | 29 |
| Citizens & Northern Bank | 14 | 19 |
| New American Funding, LLC. | 14 | 45 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 12 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 38 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,892 | 23.3% of 1,640 decided |
| 2 or more minority races | under 10 | |
| Joint | 22 | no rate: base under 50 |
| Race Not Available | 325 | 24.8% of 258 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 108 | 29.3% of 92 decided |
| Not Hispanic or Latino | 1,844 | 23.0% of 1,598 decided |
| Joint | 17 | no rate: base under 50 |
| Ethnicity Not Available | 329 | 25.4% of 264 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 852 | 27.6% of 715 decided |
| Female | 531 | 27.9% of 459 decided |
| Joint | 699 | 16.5% of 623 decided |
| Sex Not Available | 216 | 21.4% of 168 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. 2725 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