Finance Atlas

Banking & Mortgage-Lending Access in Pennsylvania

917 FDIC-insured institutions (110 currently active) are recorded in Pennsylvania in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 25.1% in Pennsylvania.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

917
FDIC institutions (total)
110
Currently active
25.1%
Overall denial rate (HMDA 2024)
245,926
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Pennsylvania?

FDIC BankFind records 917 FDIC-insured institutions (all historical) in Pennsylvania, of which 110 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 917
Currently active 110

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Pennsylvania?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Pennsylvania:

Charter class Description Count
N National bank (OCC-chartered) 273
NM State non-member bank (Fed non-member) 230
SL Savings institution (state-chartered S&L) 172
SI Savings institution (OTS-supervised) 93
SM State member bank (Fed member) 87
SB Savings bank (state-chartered) 55
NC Non-deposit trust company 5
NS Non-member savings bank (state-chartered) 2

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Pennsylvania? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 25.1% in Pennsylvania. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 25.1%
White applicants 22.7%
Black applicants 39.9%
Black/White denial rate ratio 1.75x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=PA

Mortgage origination volume in Pennsylvania (2024)

HMDA 2024 data record 245,926 originated mortgage loans in Pennsylvania , totaling $55.7B , with an average loan size of $226,351.

Metric Value
Originated loans (2024) 245,926
Total origination volume $55.7B
Average loan size $226,351

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=PA

Data exported June 20, 2026 · content hash 056ee37c0ad4af21 · machine-readable brief: /finance/states/pa/context.md

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