Schuylkill County, PA: mortgage lenders, denial rate and originations, 2024

States › Pennsylvania › Schuylkill County

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 4,262 mortgage applications in Schuylkill County, Pennsylvania, for 2024, and originated 2,462 loans worth $360m.

That is 42.5 originations per 1,000 households, against 46.6 for Pennsylvania and 48.0 nationally.

The county's denial rate was 26.8%, above the state rate of 24.2%. The median rate spread on originated loans was 0.6 percentage points and 18.7% of originations were 1.5 points or more above the average prime offer rate.

40 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (205), Pa State Employees CU (169) and Mortgage America, Inc. (158).

Originations were up 13% on 2023.

4,262applications, 2024

2,462loans originated$360m

26.8%denial ratePA 24.2% · US 24.3%

42.5originations per 1,000 householdsPA 46.6 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Rocket Mortgage	269	205	$30m	20.1%	—
2	Pa State Employees CU	254	169	$15m	18.9%	—
3	Mortgage America, Inc.	200	158	$28m	2.5%	—
4	M&T Bank	272	154	$16m	34.7%	—
5	Crosscountry Mortgage, LLC	171	118	$23m	6.3%	—
6	Mid Penn Bank	159	88	$11m	34.5%	—
7	United Wholesale Mortgage	106	70	$13m	19.5%	—
8	Fulton Bank, National Association	91	53	$5.6m	32.9%	—
9	Members 1st	95	49	$6.3m	44.3%	—
10	HomeSale Mortgage	51	45	$8.6m	4.3%	—
11	Newrez LLC	72	40	$7.4m	21.6%	—
12	Mortgage Research Center	87	38	$9.1m	34.5%	—
13	CMG Mortgage Inc	55	38	$7.2m	8.5%	—
14	Truist Bank	76	29	$2.8m	56.9%	—
15	Pennymac Loan Services LLC	69	28	$4.3m	26.8%	—
16	New American Funding, LLC.	65	28	$4.1m	20.0%	—
17	Wells Fargo Bank NA	56	27	$3.6m	42.6%	—
18	Freedom Mortgage Corporation	55	27	$5.0m	9.1%	—
19	Guild Mortgage Company	30	27	$4.6m	0.0%	—
20	Loandepot.com, LLC	61	25	$4.2m	50.0%	—
21	Movement Mortgage, LLC	31	25	$3.7m	13.3%	—
22	CBNA Year to Date	44	24	$2.6m	33.3%	—
23	Diamond Credit Union	32	24	$2.9m	21.9%	—
24	United Mortgage Corp.	28	23	$3.1m	0.0%	—
25	Luzerne Bank	27	23	$2.9m	11.1%	—
26	First Commonwealth Federal Cre	25	21	$2.3m	—	—
27	Linkbank	41	20	$2.0m	42.1%	—
28	Community Bank, N.A.	31	20	$2.0m	—	—
29	Tompkins Community Bank	29	20	$3.2m	19.2%	—
30	Mauch Chunk Trust Company	38	19	$2.8m	25.9%	—
31	Navy Federal Credit Union	33	19	$3.2m	26.9%	—
32	First National Bank of Pa	40	17	$2.2m	56.4%	—
33	Discover Bank	104	16	$1.2m	79.2%	—
34	Coastal Community Bank	49	16	$460k	0.0%	—
35	Univest Bank and Trust Co.	25	15	$2.5m	—	—
36	Mutual of Omaha Mortgage	31	12	$1.6m	—	—
37	PNC Bank N.A.	34	10	$860k	—	—
38	Bank of America NA	27	9	$1.2m	—	—
39	Amerisave Mortgage Company	68	8	$810k	86.0%	—
40	New Day Financial, LLC.	38	3	$525k	—	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 40. Denial rate is denials over decided applications in this county.

Compared with Pennsylvania and the nation

Measure	This county	Pennsylvania	United States
Denial rate	26.8%	24.2%	24.3%
Median rate spread, pp	0.6	0.3	0.3
Originations with spread of 1.5 pp or more	18.7%	14.1%	15.6%
Average originated loan	$146k	$226k	$329k
Originations per 1,000 households	42.5	46.6	48.0
Home purchase share of originations	52.6%	48.7%	57.0%
FHA-insured share	17.4%	9.8%	13.4%
VA-guaranteed share	6.2%	4.0%	7.9%

Rate spread distribution

Below 0 pp21.5%

0 to 0.5 pp23.1%

0.5 to 1 pp22.3%

1 to 1.5 pp14.3%

1.5 to 3 pp12.6%

3 or more pp6.1%

Share of 2,140 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 53% (1,296)Home improvement 12% (286)Refinancing 11% (283)Cash-out refinancing 13% (313)Other purpose 12% (284)

By type

Conventional 75% (1,849)FHA 17% (428)VA 6% (152)USDA 1% (33)

Trend by year

ApplicationsOriginations

Applications and originations in Schuylkill County, 2022–2024

This countyPennsylvania

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in Schuylkill County, PA?

By 2024 originations: Rocket Mortgage (205), Pa State Employees CU (169), Mortgage America, Inc. (158), M&T Bank (154), Crosscountry Mortgage, LLC (118). 40 lenders had at least 25 applications in the county.

What is the mortgage denial rate in Schuylkill County?

26.8% of decided applications were denied in 2024, against 24.2% across Pennsylvania and 24.3% nationally.

How many mortgages were originated in Schuylkill County in 2024?

2,462 loans totalling $360m, from 4,262 applications; 42.5 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 42107; 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.