States › Pennsylvania › Mifflin County
Mifflin 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.
Mifflin County, Pennsylvania, saw 1,183 HMDA-reported applications and 775 originations ($98m) in 2024.
That is 41.9 originations per 1,000 households, against 46.6 for Pennsylvania and 48.0 nationally.
The county's denial rate was 22.3%, close to the state rate of 24.2%. The median rate spread on originated loans was 0.6 percentage points and 12.1% of originations were 1.5 points or more above the average prime offer rate.
7 lenders reached 25 applications in the county; the most active by originations were Kish Bank (224), The Juniata Valley Bank (60) and Pa State Employees CU (60).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Kish Bank | 270 | 224 | $25m | 8.5% | — |
| 2 | The Juniata Valley Bank | 91 | 60 | $6.5m | 25.6% | — |
| 3 | Pa State Employees CU | 88 | 60 | $3.9m | 21.5% | — |
| 4 | Rocket Mortgage | 76 | 60 | $8.7m | 18.7% | — |
| 5 | First National Bank of Pa | 119 | 59 | $5.5m | 45.5% | — |
| 6 | Equity Prime Mortgage LLC | 29 | 27 | $4.0m | 0.0% | — |
| 7 | Discover Bank | 28 | 9 | $635k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 7. Denial rate is denials over decided applications in this county.
Compared with Pennsylvania and the nation
| Measure | This county | Pennsylvania | United States |
|---|---|---|---|
| Denial rate | 22.3% | 24.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 12.1% | 14.1% | 15.6% |
| Average originated loan | $126k | $226k | $329k |
| Originations per 1,000 households | 41.9 | 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 | 6.2% | 4.0% | 7.9% |
Rate spread distribution
Share of 647 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% (379)Home improvement 19% (150)Refinancing 9% (66)Cash-out refinancing 12% (94)Other purpose 11% (86)
By type
Conventional 82% (632)FHA 9% (69)VA 6% (48)USDA 3% (26)
Trend by year
ApplicationsOriginations
This countyPennsylvania
Questions and answers
Which lenders are most active in Mifflin County, PA?
By 2024 originations: Kish Bank (224), The Juniata Valley Bank (60), Pa State Employees CU (60), Rocket Mortgage (60), First National Bank of Pa (59). 7 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Mifflin County?
22.3% of decided applications were denied in 2024, against 24.2% across Pennsylvania and 24.3% nationally.
How many mortgages were originated in Mifflin County in 2024?
775 loans totalling $98m, from 1,183 applications; 41.9 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 42087; 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.