Lenders › CBNA Year to Date › Pennsylvania
CBNA Year to Date 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.
In Pennsylvania, CBNA Year to Date reported 16,252 applications and 9,085 originations for 2024, $1.7bn in all.
Its denial rate in the state was 34.6%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 35.2%.
The median rate spread on its Pennsylvania originations was 0.7 percentage points (state median 0.3).
Applications in the state were down 24% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | CBNA Year to Date, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.6% | 24.2% | 35.2% | 24.3% |
| Median rate spread, pp | 0.7 | 0.3 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 27.2% | 14.1% | 27.4% | 15.6% |
| Average originated loan | $186k | $226k | $272k | $329k |
| Home purchase share | 15.6% | 48.7% | 19.0% | 57.0% |
| FHA-insured share | 1.5% | 9.8% | 1.2% | 13.4% |
| VA-guaranteed share | 0.3% | 4.0% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 16% (1,416)Home improvement 27% (2,423)Refinancing 33% (2,960)Cash-out refinancing 3% (263)Other purpose 22% (2,023)
By type
Conventional 98% (8,919)FHA 2% (137)VA 0% (29)
Denial reasons as coded
Share of 4,974 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Allegheny County | 2,817 | 1,656 | $284m | 30.0% |
| Montgomery County | 1,929 | 1,165 | $282m | 29.8% |
| Philadelphia County | 2,183 | 953 | $146m | 48.0% |
| Bucks County | 1,249 | 747 | $178m | 32.3% |
| Delaware County | 1,326 | 732 | $156m | 34.9% |
| Chester County | 1,080 | 673 | $191m | 28.3% |
| Westmoreland County | 608 | 348 | $42m | 33.1% |
| Berks County | 541 | 316 | $42m | 33.9% |
| Washington County | 381 | 217 | $32m | 34.6% |
| Beaver County | 359 | 201 | $26m | 35.5% |
| Luzerne County | 344 | 199 | $24m | 34.7% |
| Lancaster County | 340 | 194 | $32m | 34.9% |
| Butler County | 288 | 185 | $39m | 21.9% |
| York County | 244 | 139 | $23m | 34.7% |
| Erie County | 218 | 125 | $14m | 35.4% |
| Monroe County | 241 | 114 | $16m | 42.0% |
| Centre County | 173 | 111 | $23m | 26.1% |
| Dauphin County | 200 | 99 | $13m | 37.6% |
| Lehigh County | 159 | 93 | $17m | 33.8% |
| Cumberland County | 157 | 93 | $17m | 31.0% |
| Blair County | 141 | 81 | $10m | 31.1% |
| Northampton County | 123 | 78 | $11m | 26.5% |
| Pike County | 123 | 66 | $9.8m | 35.8% |
| Venango County | 91 | 61 | $7.0m | 24.7% |
| Lackawanna County | 93 | 48 | $5.8m | 40.0% |
| Mercer County | 84 | 37 | $5.1m | 43.5% |
| Armstrong County | 69 | 34 | $3.1m | 43.1% |
| Lawrence County | 64 | 31 | $4.0m | 42.9% |
| Lebanon County | 50 | 26 | $4.1m | 36.4% |
| Carbon County | 49 | 24 | $3.2m | 45.7% |
| Schuylkill County | 44 | 24 | $2.6m | 33.3% |
| Crawford County | 57 | 20 | $1.7m | 50.0% |
| Fayette County | 40 | 18 | $1.4m | 45.7% |
| Franklin County | 36 | 18 | $3.3m | 41.9% |
| Adams County | 32 | 17 | $1.5m | 39.3% |
| Wayne County | 35 | 16 | $2.3m | 48.4% |
| Cambria County | 31 | 13 | $875k | 48.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did CBNA Year to Date originate in Pennsylvania in 2024?
9,085 loans totalling $1.7bn, from 16,252 applications reported for properties in Pennsylvania.
What is CBNA Year to Date's denial rate in Pennsylvania?
34.6% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 35.2% 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 CBNA Year to Date lend in most?
By originations: Allegheny County (1,656), Montgomery County (1,165), Philadelphia County (953), Bucks County (747), Delaware County (732).
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.