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Armstrong County, Pennsylvania
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Armstrong County, Pennsylvania, saw 1,696 HMDA-reported applications and 1,052 originations ($132m) in 2024.
That is 37.5 originations per 1,000 households, against 46.6 for Pennsylvania and 48.0 nationally.
The county's denial rate was 23.5%, close to the state rate of 24.2%. The median rate spread on originated loans was 0.5 percentage points and 14.9% of originations were 1.5 points or more above the average prime offer rate.
16 lenders reached 25 applications in the county; the most active by originations were Armstrong Associates FCU (77), Rocket Mortgage (72) and Armstrong County Building and Loan Association (72).
Originations were up 6% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Armstrong Associates FCU | 77 | 77 | $4.6m | 0.0% | — |
| 2 | Rocket Mortgage | 104 | 72 | $9.9m | 24.5% | — |
| 3 | Armstrong County Building and Loan Association | 77 | 72 | $11m | 1.3% | — |
| 4 | S&T Bank | 118 | 70 | $6.3m | 26.4% | — |
| 5 | First Commonwealth Bank | 85 | 48 | $4.9m | 31.6% | — |
| 6 | Elderton State Bank | 51 | 38 | $5.8m | 18.0% | — |
| 7 | First National Bank of Pa | 83 | 37 | $4.2m | 51.9% | — |
| 8 | PNC Bank N.A. | 60 | 35 | $3.4m | 22.0% | — |
| 9 | CBNA Year to Date | 69 | 34 | $3.1m | 43.1% | — |
| 10 | Nextier Bank, N.A. | 57 | 34 | $3.5m | 20.8% | — |
| 11 | Movement Mortgage, LLC | 39 | 31 | $3.8m | 0.0% | — |
| 12 | United Wholesale Mortgage | 38 | 29 | $4.6m | 12.1% | — |
| 13 | Pa State Employees CU | 40 | 26 | $2.3m | 27.8% | — |
| 14 | Plaza Home Mortgage, Inc | 29 | 24 | $3.1m | 10.7% | — |
| 15 | Mortgage Research Center | 29 | 10 | $1.6m | — | — |
| 16 | Discover Bank | 38 | 4 | $220k | 84.6% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 16. Denial rate is denials over decided applications in this county.
Compared with Pennsylvania and the nation
| Measure | This county | Pennsylvania | United States |
|---|---|---|---|
| Denial rate | 23.5% | 24.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.9% | 14.1% | 15.6% |
| Average originated loan | $125k | $226k | $329k |
| Originations per 1,000 households | 37.5 | 46.6 | 48.0 |
| Home purchase share of originations | 46.4% | 48.7% | 57.0% |
| FHA-insured share | 11.8% | 9.8% | 13.4% |
| VA-guaranteed share | 4.1% | 4.0% | 7.9% |
Rate spread distribution
Share of 793 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Pennsylvania). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 46% (488)Home improvement 15% (153)Refinancing 12% (127)Cash-out refinancing 8% (81)Other purpose 19% (203)
By type
Conventional 82% (860)FHA 12% (124)VA 4% (43)USDA 2% (25)
Trend by year
ApplicationsOriginations
This countyPennsylvania
Questions and answers
Which lenders are most active in Armstrong County, PA?
By 2024 originations: Armstrong Associates FCU (77), Rocket Mortgage (72), Armstrong County Building and Loan Association (72), S&T Bank (70), First Commonwealth Bank (48). 16 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Armstrong County?
23.5% of decided applications were denied in 2024, against 24.2% across Pennsylvania and 24.3% nationally.
How many mortgages were originated in Armstrong County in 2024?
1,052 loans totalling $132m, from 1,696 applications; 37.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 42005; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.