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Lycoming 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.
Lenders reported 3,443 mortgage applications in Lycoming County, Pennsylvania, for 2024, and originated 2,462 loans worth $351m.
That is 52.5 originations per 1,000 households, against 46.6 for Pennsylvania and 48.0 nationally.
The county's denial rate was 15.9%, below the state rate of 24.2%. The median rate spread on originated loans was -0.1 percentage points and 9.2% of originations were 1.5 points or more above the average prime offer rate.
24 lenders reached 25 applications in the county; the most active by originations were Jersey Shore State Bank (628), Journey Bank (395) and Primelending (191).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Jersey Shore State Bank | 703 | 628 | $75m | 4.9% | — |
| 2 | Journey Bank | 441 | 395 | $56m | 4.7% | — |
| 3 | Primelending | 231 | 191 | $29m | 4.6% | — |
| 4 | Rocket Mortgage | 154 | 118 | $21m | 14.9% | — |
| 5 | Pa State Employees CU | 151 | 100 | $9.2m | 21.3% | — |
| 6 | First Commonwealth Bank | 142 | 90 | $9.4m | 23.6% | — |
| 7 | Citizens & Northern Bank | 89 | 70 | $9.0m | 10.0% | — |
| 8 | Woodlands Bank | 80 | 67 | $14m | 6.8% | — |
| 9 | Service 1st Federal Credit Uni | 73 | 64 | $4.3m | 11.0% | — |
| 10 | Horizon Federal Credit Union | 108 | 55 | $3.6m | 27.2% | — |
| 11 | Kind Lending, LLC | 62 | 48 | $11m | 21.3% | — |
| 12 | United Wholesale Mortgage | 58 | 41 | $8.2m | 10.6% | — |
| 13 | M&T Bank | 75 | 38 | $3.4m | 35.3% | — |
| 14 | First National Bank of Pa | 56 | 30 | $4.2m | 37.5% | — |
| 15 | PNC Bank N.A. | 48 | 28 | $3.0m | 31.7% | — |
| 16 | Truist Bank | 66 | 25 | $3.4m | 50.0% | — |
| 17 | Mortgage Research Center | 35 | 24 | $5.2m | 14.3% | — |
| 18 | Susquehanna Community Bank | 27 | 21 | $4.4m | — | — |
| 19 | Fulton Bank, National Association | 32 | 19 | $2.5m | 32.1% | — |
| 20 | Newrez LLC | 25 | 16 | $3.2m | — | — |
| 21 | Navy Federal Credit Union | 27 | 15 | $2.6m | — | — |
| 22 | Coastal Community Bank | 27 | 6 | $320k | — | — |
| 23 | Discover Bank | 59 | 2 | $170k | 94.7% | — |
| 24 | Amerisave Mortgage Company | 29 | 2 | $450k | 92.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 24. Denial rate is denials over decided applications in this county.
Compared with Pennsylvania and the nation
| Measure | This county | Pennsylvania | United States |
|---|---|---|---|
| Denial rate | 15.9% | 24.2% | 24.3% |
| Median rate spread, pp | -0.1 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.2% | 14.1% | 15.6% |
| Average originated loan | $143k | $226k | $329k |
| Originations per 1,000 households | 52.5 | 46.6 | 48.0 |
| Home purchase share of originations | 45.0% | 48.7% | 57.0% |
| FHA-insured share | 7.6% | 9.8% | 13.4% |
| VA-guaranteed share | 5.3% | 4.0% | 7.9% |
Rate spread distribution
Share of 2,131 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 45% (1,108)Home improvement 14% (334)Refinancing 22% (536)Cash-out refinancing 5% (126)Other purpose 15% (357)
By type
Conventional 86% (2,117)FHA 8% (186)VA 5% (130)USDA 1% (29)
Trend by year
ApplicationsOriginations
This countyPennsylvania
Questions and answers
Which lenders are most active in Lycoming County, PA?
By 2024 originations: Jersey Shore State Bank (628), Journey Bank (395), Primelending (191), Rocket Mortgage (118), Pa State Employees CU (100). 24 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Lycoming County?
15.9% of decided applications were denied in 2024, against 24.2% across Pennsylvania and 24.3% nationally.
How many mortgages were originated in Lycoming County in 2024?
2,462 loans totalling $351m, from 3,443 applications; 52.5 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 42081; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.