Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cambria County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Cambria County, home to Johnstown, between 2023 and 2025: 7,459 applications, 5,497 loans actually funded, across 8 kinds of borrowing.
Cambria County at a glance
7,459Applications decided
2023–2025
5,497Loans funded
74% of decisions
42Census tracts
18 ZIP codes
132,355People
ACS 2023
What the data shows
The typical purchase mortgage here is $115K.
Lending by loan type in Cambria County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.9% | 3,197 | $115K | 98% | 192 |
| Home improvement loans | 65.8% | 1,720 | $45K | 96% | 68 |
| Cash-out refinance | 58.6% | 638 | $105K | 94% | 77 |
| Refinance | 69.6% | 1,391 | $75K | 96% | 69 |
| Investment property purchase | 85.8% | 331 | $65K | 95% | 66 |
| Investment cash-out refinance | 46.7% | 30 | $85K | 100% | 21 |
| Investment refinance | 80.8% | 78 | $75K | 98% | 19 |
| Investment home improvement | 44.6% | 74 | $45K | 100% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.