Mortgage lending in Potter County, Pennsylvania
Lenders in Potter County, Pennsylvania reported 492 mortgage applications for 2025, according to the CFPB.
492 mortgage applications and 277 loans originated in 2025; the denial rate was 25.7% of 397 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: Potter County, PA.
- 492
- Applications
- 277
- Loans originated
- 25.7%
- Denial rate
- 102 denied of 397 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 492 | 277 |
| 2024 | 424 | 250 |
| 2023 | 428 | 242 |
| 2022 | 559 | 353 |
| 2021 | 685 | 436 |
| 2020 | 635 | 409 |
| 2019 | 560 | 337 |
| 2018 | 495 | 294 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Citizens & Northern Bank | 50 | 64 |
| Northwest Bank | 40 | 63 |
| Rocket Mortgage | 30 | 48 |
| First Heritage Federal Credit Union | 18 | 21 |
| First Citizens Community Bank | 12 | 12 |
| The Juniata Valley Bank | 12 | 21 |
| Union Home Mortgage Corp. | 11 | 13 |
| Mortgage Research Center | 9 | 14 |
| United Wholesale Mortgage | 7 | 18 |
| Pennsylvania State Employees Credit Union | 7 | 13 |
| New American Funding, LLC. | 5 | 9 |
| Crosscountry Mortgage, LLC | 5 | 10 |
| Community Bank, N.A. | 4 | 6 |
| Verus | 3 | 3 |
| Horizon Farm Credit, ACA | 3 | 4 |
| New Day Financial, LLC. | 3 | 9 |
| Members 1ST Fcu | 3 | 8 |
| The Ephrata National Bank | 3 | 5 |
| Royal United Mortgage LLC | 3 | 4 |
| Navy Federal Credit Union | 2 | 8 |
| Primary Residential Mortgage, INC. | 2 | 2 |
| Churchill Mortgage Corporation | 2 | 2 |
| Newrez LLC | 2 | 5 |
| PNC Bank N.A. | 2 | 5 |
| Pennymac Loan Services LLC | 2 | 8 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 418 | 24.6% of 342 decided |
| Joint | under 10 | |
| Race Not Available | 66 | 33.3% of 51 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 410 | 25.1% of 335 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 74 | 28.6% of 56 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 186 | 27.5% of 149 decided |
| Female | 75 | 24.6% of 61 decided |
| Joint | 184 | 23.8% of 151 decided |
| Sex Not Available | 47 | no rate: base under 50 |
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. 2726 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