States › Pennsylvania › Cambria County
Cambria 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.
Cambria County, Pennsylvania, saw 3,305 HMDA-reported applications and 2,034 originations ($222m) in 2024.
That is 36.3 originations per 1,000 households, against 46.6 for Pennsylvania and 48.0 nationally.
The county's denial rate was 27.0%, above the state rate of 24.2%. The median rate spread on originated loans was 0.3 percentage points and 10.1% of originations were 1.5 points or more above the average prime offer rate.
25 lenders reached 25 applications in the county; the most active by originations were First National Bank of Pa (257), First Commonwealth Bank (246) and 1st Summit Bank (153).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | First National Bank of Pa | 476 | 257 | $25m | 39.1% | — |
| 2 | First Commonwealth Bank | 415 | 246 | $25m | 30.2% | — |
| 3 | 1st Summit Bank | 234 | 153 | $15m | 26.4% | — |
| 4 | Ameriserv Financial Bank | 182 | 126 | $12m | 24.6% | — |
| 5 | Primelending | 152 | 125 | $15m | 7.9% | — |
| 6 | Penncrest Bank | 137 | 114 | $11m | 12.9% | — |
| 7 | Rocket Mortgage | 152 | 111 | $13m | 22.8% | — |
| 8 | S&T Bank | 145 | 104 | $9.7m | 20.0% | — |
| 9 | Somerset Trust Company | 102 | 81 | $8.1m | 16.2% | — |
| 10 | Pa State Employees CU | 83 | 50 | $4.0m | 24.3% | — |
| 11 | Flagstar Bank NA | 59 | 49 | $7.8m | 12.5% | — |
| 12 | CNB Bank | 50 | 36 | $4.0m | 14.0% | — |
| 13 | Mortgage Research Center | 78 | 34 | $5.2m | 24.4% | — |
| 14 | InFirst Bank | 48 | 32 | $2.4m | 20.5% | — |
| 15 | Slovenian Savings & Loan Association of Franklin-Conemaugh | 41 | 31 | $4.6m | 18.4% | — |
| 16 | Ussco Federal Credit Union | 43 | 28 | $1.1m | 26.3% | — |
| 17 | United Wholesale Mortgage | 31 | 23 | $3.0m | 14.3% | — |
| 18 | Northwest Bank | 26 | 16 | $1.6m | — | — |
| 19 | Navy Federal Credit Union | 26 | 15 | $2.1m | — | — |
| 20 | CBNA Year to Date | 31 | 13 | $875k | 48.0% | — |
| 21 | Loandepot.com, LLC | 26 | 13 | $1.6m | — | — |
| 22 | Discover Bank | 63 | 12 | $1.1m | 70.0% | — |
| 23 | New Day Financial, LLC. | 28 | 11 | $1.5m | — | — |
| 24 | New American Funding, LLC. | 31 | 10 | $870k | — | — |
| 25 | Amerisave Mortgage Company | 31 | 1 | $75k | 96.6% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 25. Denial rate is denials over decided applications in this county.
Compared with Pennsylvania and the nation
| Measure | This county | Pennsylvania | United States |
|---|---|---|---|
| Denial rate | 27.0% | 24.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.1% | 14.1% | 15.6% |
| Average originated loan | $109k | $226k | $329k |
| Originations per 1,000 households | 36.3 | 46.6 | 48.0 |
| Home purchase share of originations | 48.9% | 48.7% | 57.0% |
| FHA-insured share | 8.9% | 9.8% | 13.4% |
| VA-guaranteed share | 4.1% | 4.0% | 7.9% |
Rate spread distribution
Share of 1,579 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 49% (994)Home improvement 18% (366)Refinancing 16% (327)Cash-out refinancing 6% (112)Other purpose 12% (235)
By type
Conventional 85% (1,721)FHA 9% (181)VA 4% (84)USDA 2% (48)
Trend by year
ApplicationsOriginations
This countyPennsylvania
Questions and answers
Which lenders are most active in Cambria County, PA?
By 2024 originations: First National Bank of Pa (257), First Commonwealth Bank (246), 1st Summit Bank (153), Ameriserv Financial Bank (126), Primelending (125). 25 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Cambria County?
27.0% of decided applications were denied in 2024, against 24.2% across Pennsylvania and 24.3% nationally.
How many mortgages were originated in Cambria County in 2024?
2,034 loans totalling $222m, from 3,305 applications; 36.3 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 42021; 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.