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Consumer Real Estate Finance Co / Society Mortgage in Pennsylvania

HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview

LEI 549300PJ2WT35S77Q208
Reporting agency Department of Housing and Urban Development
State Pennsylvania

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.

In Pennsylvania, Consumer Real Estate Finance Co / Society Mortgage reported 162 applications and 69 originations for 2024, $11m in all.

Its denial rate in the state was 37.8%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 37.3%.

Applications in the state were about level with 2023.

162applications in PA, 20247.6% of the lender's total
69loans originated$11m
37.8%denial ratePA all lenders 24.2%
—median rate spreadPA 0.3 pp

Compared with the state and the lender's national record

MeasureIn PennsylvaniaPennsylvania, all lendersConsumer Real Estate Finance Co / Society Mortgage, all statesUnited States
Denial rate37.8%24.2%37.3%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$157k$226k$192k$329k
Home purchase share95.7%48.7%94.1%57.0%
FHA-insured share52.2%9.8%42.7%13.4%
VA-guaranteed share0.0%4.0%1.2%7.9%

Trend by year

ApplicationsOriginations

082.51652022: 152 Applications2023: 165 Applications2024: 162 Applications2022: 74 Originations2023: 72 Originations2024: 69 Originations202220232024
Consumer Real Estate Finance Co / Society Mortgage in Pennsylvania: applications and originations, 2022–2024

This lender in statePennsylvania, all lenders

0%18.9%37.8%2022: 24.5% This lender in state2023: 31.4% This lender in state2024: 37.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Pennsylvania

By purpose

Home purchase 96% (66)Cash-out refinancing 4% (3)

By type

Conventional 19% (13)FHA 52% (36)USDA 29% (20)

Denial reasons as coded

Debt-to-income ratio28.6%
Collateral21.4%
Insufficient cash (downpayment, closing costs)16.7%
Employment history14.3%
Other9.5%
Credit history7.1%
Unverifiable information2.4%
Credit application incomplete0%
Mortgage insurance denied0%

Share of 42 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).

Counties in Pennsylvania

No county in the state reaches 25 applications.

Questions and answers

How many mortgages did Consumer Real Estate Finance Co / Society Mortgage originate in Pennsylvania in 2024?

69 loans totalling $11m, from 162 applications reported for properties in Pennsylvania.

What is Consumer Real Estate Finance Co / Society Mortgage's denial rate in Pennsylvania?

37.8% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 37.3% 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 Consumer Real Estate Finance Co / Society Mortgage lend in most?

No county in the state reaches 25 applications.

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.