Lenders › Mifflinburg Bank & Trust Company › Pennsylvania
Mifflinburg Bank & Trust Company in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
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.
Mifflinburg Bank & Trust Company's 2024 HMDA record for Pennsylvania covers 181 applications, 169 of them originated, worth $29m.
Its denial rate in the state was 4.5%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 4.4%.
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Mifflinburg Bank & Trust Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.5% | 24.2% | 4.4% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.1% | — | 15.6% |
| Average originated loan | $174k | $226k | $182k | $329k |
| Home purchase share | 62.1% | 48.7% | 62.6% | 57.0% |
| FHA-insured share | 0.0% | 9.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 62% (105)Home improvement 15% (26)Refinancing 15% (26)Other purpose 7% (12)
By type
Conventional 100% (169)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Union County | 86 | 80 | $13m | 5.9% |
| Northumberland County | 39 | 35 | $7.0m | 5.4% |
| Snyder County | 28 | 28 | $3.6m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mifflinburg Bank & Trust Company originate in Pennsylvania in 2024?
169 loans totalling $29m, from 181 applications reported for properties in Pennsylvania.
What is Mifflinburg Bank & Trust Company's denial rate in Pennsylvania?
4.5% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 4.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does Mifflinburg Bank & Trust Company lend in most?
By originations: Union County (80), Northumberland County (35), Snyder County (28).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.