Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Centre County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Centre County, home to State College, between 2023 and 2025: 7,715 applications, 6,311 loans actually funded, across 8 kinds of borrowing.
Centre County at a glance
7,715Applications decided
2023–2025
6,311Loans funded
82% of decisions
41Census tracts
15 ZIP codes
158,041People
ACS 2023
What the data shows
The typical purchase mortgage here is $305K.
Lending by loan type in Centre County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 91.4% | 3,320 | $305K | 97% | 208 |
| Home improvement loans | 77.9% | 1,518 | $65K | 96% | 73 |
| Cash-out refinance | 73.3% | 857 | $145K | 97% | 103 |
| Refinance | 78.4% | 1,210 | $125K | 95% | 106 |
| Investment property purchase | 93.1% | 626 | $215K | 98% | 133 |
| Investment cash-out refinance | 87.0% | 46 | $175K | 92% | 25 |
| Investment refinance | 81.5% | 65 | $215K | 98% | 35 |
| Investment home improvement | 69.9% | 73 | $105K | 98% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.