Cambria County, Pennsylvania Court Filings Intelligence
Live court-record analysis of property-related filings (foreclosure, probate, divorce, partition, guardianship). Data sourced direct from Cambria County court dockets. Updated 2026-06-20. See methodology.
About Cambria County
Cambria County is a county in the Commonwealth of Pennsylvania. As of the 2020 census, the population was 133,472. Its county seat is Ebensburg. The county was created on March 26, 1804, from parts of Bedford, Huntingdon, and Somerset counties and later organized in 1807. It was named for the nation of Wales, which in Latin is known as "Cambria". The county is part of the Southwest region of the commonwealth.
Source: Wikipedia
At a glance
79 verified property-related court filings tracked across 3 months (Apr 2026 to Jun 2026).
28 typical monthly filing volume.
#13 of 18 Pennsylvania counties Keystone covers, ranked by total filing volume.
13% of filings involve owners whose mailing address differs from the property address (10 of 79 filings).
$56,069 median estimated property value across the 13 filings with property-enrichment data (16% coverage).
3.7% Pennsylvania unemployment rate (BLS, as of 2026-04). Filings should be read against the local-economy backdrop.
Filing type breakdown
| Filing type | Filings | Share | |
|---|---|---|---|
| Other | 49 | 62.0% | |
| Pre-Foreclosure | 26 | 32.9% | |
| Divorce | 2 | 2.5% | |
| Estate | 1 | 1.3% | |
| Pre-Probate | 1 | 1.3% |
Each row is a distinct case verified for current owner-of-record before inclusion.
Monthly filing activity
| Month | Filings | vs prior | |
|---|---|---|---|
| Apr 2026 | 22 | ||
| May 2026 | 35 | +13 | |
| Jun 2026 | 22 | -13 |
Each row reflects new filings entering the dataset that month, after ownership verification. Most recent month may be partial.
Geographic concentration by ZIP
Top 10 ZIPs in Cambria County account for 49.4% of all tracked filings, showing where distressed real estate activity clusters.
| ZIP | City | Filings | Share | |
|---|---|---|---|---|
| 15901 | Johnstown | 16 | 20.3% | |
| 15904 | Johnstown | 6 | 7.6% | |
| 15905 | Westmont | 4 | 5.1% | |
| 15906 | Johnstown | 4 | 5.1% | |
| 15955 | Adams Township | 2 | 2.5% | |
| 15931 | Ebensburg | 2 | 2.5% | |
| 15909 | Johnstown | 2 | 2.5% | |
| 15961 | Vintondale | 1 | 1.3% | |
| 15714 | Northern Cambria | 1 | 1.3% | |
| 15956 | Croyle Township | 1 | 1.3% |
Based on filings with a parseable property address (54% of Cambria County filings).
Property value distribution
| Estimated value | Filings | Share | |
|---|---|---|---|
| Under $75k | 10 | 76.9% | |
| $75k - $150k | 2 | 15.4% | |
| $150k - $250k | 1 | 7.7% |
Source: third-party property enrichment (16% coverage on Cambria County filings). Median $56,069; mean $68,033.
Day-of-week filing pattern
| Day | Filings | Share | |
|---|---|---|---|
| Sun | 0 | 0.0% | |
| Mon | 16 | 20.3% | |
| Tue | 19 | 24.1% | |
| Wed | 12 | 15.2% | |
| Thu | 14 | 17.7% | |
| Fri | 17 | 21.5% | |
| Sat | 1 | 1.3% |
Filings cluster Monday through Friday, with weekend filings essentially absent (court system closed). Computed for 79 filings with a parseable date.
Housing stock + distress signals
Underlying housing stock and distress indicators across all 64494 Cambria County housing units, from US Census ACS 5-year data. National reference values shown for context.
| Indicator | Cambria County | US average |
|---|---|---|
| Vacancy rate (incl. seasonal + for-sale) | 13.6% | 10.5% |
| Share of owner-occupied units carrying a mortgage | 45.2% | 60.8% |
| Pre-1940 housing stock | 29.7% | 12.3% |
| Single-family detached share of housing stock | 74.2% | 61.2% |
| Residents age 65 or older | 23.5% | 17.3% |
Source: US Census Bureau American Community Survey (ACS 2023 5-year). National reference values are ACS 2022 5-year US totals. Why these matter: vacancy rate is the strongest single proxy for distressed inventory; mortgage-carrying share defines the risk pool exposed to rate environment; pre-1940 stock signals deferred maintenance and renovation opportunity; senior population correlates with probate pipeline depth.
Rent benchmark (HUD Fair Market Rent)
HUD sets Fair Market Rents at the metro area level — the same FMRs apply to every county within the metro. Cambria County sits within the Johnstown, PA. Used to set Section 8 voucher amounts; investors use it as a defensible rent-estimate floor for buy-to-rent underwriting.
| Unit size | Fair market rent / month |
|---|---|
| Efficiency / studio | $840 |
| 1-bedroom | $846 |
| 2-bedroom | $1,035 |
| 3-bedroom | $1,431 |
| 4-bedroom | $1,484 |
Source: US Department of Housing and Urban Development, Fair Market Rents (None). 40th-percentile gross rent including utilities. Why this matters: Section-8-eligible tenants are a baseline demand floor for rental inventory at these price points; FMR is the official ceiling for voucher-eligible rents.
New construction (market momentum)
Annual building permits filed in Cambria County from the US Census Building Permits Survey. Trend signal on whether new housing demand is accelerating or contracting in this market.
| Indicator | Value |
|---|---|
| Total housing units permitted (2025) | 61 |
| Year-over-year change (2024 → 2025) | -1.6% |
| Single-family share of permits (2025) | 100.0% |
| Single-family units permitted | 61 |
| Multifamily units permitted (2+ units per building) | 0 |
Source: US Census Bureau Building Permits Survey, annual cumulative data. Why this matters: permits trending up signals strong demand for new inventory; permits contracting at the same time foreclosure activity rises indicates broader market softening (deals price differently). Multifamily share shows whether the market is densifying or holding to single-family stock.
Macro context: state home prices and national delinquency
Cambria County filings should be read against the broader housing-market backdrop. Pennsylvania state home-price trend and the national mortgage-delinquency rate are the two macro signals most directly relevant to foreclosure exposure.
| Indicator | Value | Period |
|---|---|---|
| Pennsylvania home price index (year-over-year) | +5.3% | 2026-01-01 |
| Pennsylvania home price index (cumulative since 2020) | +59.3% | 2026-01-01 |
| National mortgage delinquency rate (30+ day, single-family) | 1.89% | 2026-01-01 |
Sources: Federal Housing Finance Agency state house price indices (FRED series PASTHPI); Federal Reserve Board, Mortgage Delinquency 30+Day Rate on Single-Family Residential Mortgages (FRED series DRSFRMACBS). Updated quarterly. Free public data.
Local-market benchmark
Demographics of the ZIPs where filings cluster, weighted by filing count and benchmarked against Census ACS 2023 5-year:
| Indicator | Filing-weighted average |
|---|---|
| Median household income (where filings cluster) | $37,019 |
| Median home value | $41,400 |
| Owner-occupancy rate | 51.2% |
| Renter share of households | 48.8% |
| Median gross rent | $560/mo |
Source: U.S. Census Bureau ACS 5-year estimates, weighted by Keystone's filing volume across 3 top ZIPs.
Most active foreclosure plaintiffs in Cambria County
Top mortgage holders and servicers named in foreclosure complaints filed in this county. Lender names are normalized to collapse common legal-suffix variants (e.g. "as Trustee for X Trust", "N.A.").
| Plaintiff | Foreclosure filings |
|---|---|
| FIRST COMMONWEALTH BANK | 3 |
| LAKEVIEW LOAN SERVICING LLC | 3 |
| FIRST NATIONAL BANK OF PENNSYLVANIA | 2 |
| NEWREZ LLC | 2 |
| WELLS FARGO BANK N A | 2 |
| 1ST SUMMIT BANK | 1 |
| AMERIHOME MORTGAGE COMPANY LLC | 1 |
| CHAMBERS, HEATHER TOKAR | 1 |
| JPMORGAN CHASE BANK N.A | 1 |
| NORTHWEST BANK | 1 |
Source: plaintiff names extracted from Cambria County foreclosure complaint text. Court records are public information.
Filing velocity by case type
How each distress category is trending — are foreclosures accelerating while divorces cool, or vice versa? This breakdown is only possible with direct court-record data.
| Case type | Total | Share | Trend |
|---|---|---|---|
| Equity Division Sale | 34 | 43.0% | -- |
| High Urgency Pre Foreclosure | 18 | 22.8% | -- |
| Pre-Foreclosure | 8 | 10.1% | -- |
| Inherited Property | 8 | 10.1% | -- |
| Tired Landlord | 5 | 6.3% | -- |
Trend = recent 2-3 month volume vs prior 2-3 months (current partial month excluded). Positive = accelerating; negative = cooling.
Lender concentration analysis
Foreclosure activity is spread across many lenders, suggesting diverse distress sources rather than a single institutional wave.
| Lender / Plaintiff | Filings | Share |
|---|---|---|
| FIRST COMMONWEALTH BANK | 3 | 13.0% |
| LAKEVIEW LOAN SERVICING LLC | 3 | 13.0% |
| FIRST NATIONAL BANK OF PENNSYLVANIA | 2 | 8.7% |
| NEWREZ LLC | 2 | 8.7% |
| WELLS FARGO BANK N A | 2 | 8.7% |
HHI (Herfindahl-Hirschman Index): <1500 = competitive, 1500-2500 = moderate concentration, >2500 = highly concentrated. Based on 23 foreclosure filings with identified plaintiffs.
ZIP code distress hotspots
Distress shows moderate geographic concentration — the top 5 ZIP codes represent 40.6% of filings. 1 of the top hotspots have high-equity properties (>40% equity), signaling potential value-add or wholesale opportunities.
| ZIP | Area | Filings | Share | High equity | Median value |
|---|---|---|---|---|---|
| 15901 | Johnstown | 16 | 20.3% | 6% | $56,069 |
| 15904 | Johnstown | 6 | 7.6% | 0% | -- |
| 15905 | Westmont | 4 | 5.1% | 0% | $40,342 |
| 15906 | Johnstown | 4 | 5.1% | 0% | $60,190 |
| 15955 | Adams Township | 2 | 2.5% | 0% | $45,360 |
| 15931 | Ebensburg | 2 | 2.5% | 0% | -- |
| 15909 | Johnstown | 2 | 2.5% | 0% | -- |
| 15961 | Vintondale | 1 | 1.3% | 100% | $83,800 |
| 15714 | Northern Cambria | 1 | 1.3% | 0% | -- |
| 15956 | Croyle Township | 1 | 1.3% | 0% | -- |
Top 10 of 14 ZIP codes with filings. High equity = properties with estimated equity above 40% (from third-party enrichment).
Non-resident owner analysis
Most filings (87%) involve owner-occupied properties. The relatively low absentee rate suggests distress is primarily hitting homeowners, not institutional investors.
| Case type | Total filings | Non-resident % |
|---|---|---|
| Equity Division Sale | 34 | 0.0% |
| High Urgency Pre Foreclosure | 18 | 0.0% |
| Pre-Foreclosure | 8 | 75.0% |
| Inherited Property | 8 | 0.0% |
| Tired Landlord | 5 | 0.0% |
Non-resident = owner's mailing address differs from the property address. Could indicate out-of-state landlords, inherited estates, second homes, or in-transition properties.
Distress composition and shifts
Inherited Property share is rising. Tired Landlord share is declining. High diversity in distress types suggests multiple independent factors driving court filings, not a single economic shock.
| Case type | Recent share | Earlier share | Shift |
|---|---|---|---|
| Equity Division Sale | 42.9% | 40.9% | +2.0pp |
| High Urgency Pre Foreclosure | 25.7% | 22.7% | +3.0pp |
| Inherited Property | 11.4% | 4.5% | +6.9pp (rising) |
| Pre-Foreclosure | 8.6% | 9.1% | -0.5pp |
| Tired Landlord | 5.7% | 13.6% | -7.9pp (falling) |
| Title Clearance Play | 2.9% | 0.0% | +2.9pp |
| Divorce | 2.9% | 0.0% | +2.9pp |
| Real Estate Dispute | 0.0% | 4.5% | -4.5pp |
| Distressed Heir | 0.0% | 4.5% | -4.5pp |
Distress diversity score: 2.22 (Shannon entropy; higher = more diverse distress sources). "Recent" = last 2 complete months; "Earlier" = all prior months.
Property Value Profile
The median assessed value of properties in court filings is $18,920. Pre-Foreclosure filings involve the highest-value properties (median $60,601), while Equity Division Sale filings trend lower (median $10,380). The largest segment (97.7%) falls in the Under $100K range.
| Value range | Properties | Share |
|---|---|---|
| Under $100K | 43 | 97.7% |
| $100K - $250K | 1 | 2.3% |
Value breakdown by case type
| Case type | Median value | Avg value | Properties |
|---|---|---|---|
| Equity Division Sale | $10,380 | $13,729 | 12 |
| High Urgency Pre Foreclosure | $11,400 | $15,675 | 11 |
| Pre-Foreclosure | $60,601 | $76,710 | 8 |
| Inherited Property | $22,120 | $20,351 | 8 |
Based on county assessor records for 44 properties with court filings (55.7% of total filings). Values are tax-assessed amounts, not market listing prices.
Investment Opportunity Score by ZIP Code
Across 4 ZIP codes with sufficient court filing data, ZIP 15901 (Johnstown) ranks highest with an investment opportunity score of 75/100, driven by high filing volume (16 cases).
| Rank | ZIP Code | Area | Score | Filings | Avg Value | Absentee % |
|---|---|---|---|---|---|---|
| #1 | 15901 | Johnstown |
75
|
16 | — | 0% |
| #2 | 15904 | Richland Township |
36
|
6 | — | 0% |
| #3 | 15905 | Johnstown |
30
|
4 | — | 0% |
| #4 | 15906 | Johnstown |
25
|
4 | — | 0% |
How the score is calculated
The Investment Opportunity Score combines four dimensions from verified court filing data:
- Filing volume (35%): More filings = more potential deals in the area
- Property value (25%): Higher assessed values = larger potential deal sizes
- Absentee owner rate (25%): Absentee owners are more likely to sell at a discount
- Case type diversity (15%): Multiple case types = broader opportunity set
Each dimension is normalized to a 0–100 scale across all scored ZIPs, then weighted and combined. A score of 100 means that ZIP ranks highest across all dimensions. Scores should be compared within the same county or state, not across different markets.
Based on 79 court filings across 4 ZIP codes. ZIPs with fewer than 3 filings are excluded. Property values from county assessor records. Absentee status from property ownership verification.
Distress Capital Analysis
$1,329,378 in assessed property value is currently tied up in 44 court-filed properties. Pre-Foreclosure filings represent the largest capital pool ($613,676 across 8 properties).
Capital at Risk by Filing Type
| Filing Type | Total Value | Properties | Avg Value | High Equity % |
|---|---|---|---|---|
| Pre-Foreclosure | $613,676 | 8 | $76,710 | 66.7% |
| High Urgency Pre Foreclosure | $172,420 | 11 | $15,675 | -- |
| Equity Division Sale | $164,750 | 12 | $13,729 | -- |
| Inherited Property | $162,810 | 8 | $20,351 | -- |
Based on 44 properties with assessor valuations (55.7% of 79 total filings). Values are county assessor estimates. Equity calculated from estimated value vs outstanding mortgage balance where available.
Why these filings are invisible on most public foreclosure sites
The largest public foreclosure-aggregator interfaces surface only post-auction bank-owned properties in Pennsylvania. Pre-foreclosure court filings are not visible to their non-paying users. Keystone tracks the court filing the day it hits the docket, weeks or months before any property reaches the auction stage those aggregators surface.
Methodology and full audit: Court-vs-aggregator coverage gap report.
Methodology and data sources
- Court filings are collected directly from Cambria County court records, which are public information.
- Every filing in this dataset has been verified for current owner-of-record. Entity-owned filings (LLCs, trusts, banks) and properties where the named party is not the current owner are excluded.
- Property value figures come from third-party enrichment (16% coverage on this dataset).
- Individual case data, defendant names, and property addresses are not published. Reports show aggregated statistics only.
- The methodology page at /reports/methodology documents data sources, sample sizes, and known limitations in detail.
- This report was generated 2026-06-20 from the live database. Numbers reflect the dataset at that moment.
Top cities for filings within Cambria County
Where filings concentrate inside Cambria County, by parsed property city or township.
| City / Township | Filings | Share (of city-parsed filings) |
|---|---|---|
| Johnstown | 30 | 69.8% |
| Ebensburg | 2 | 4.7% |
| Richland Township | 1 | 2.3% |
| Vintondale | 1 | 2.3% |
| Sidman | 1 | 2.3% |
Share is computed against filings with a parsed property city (not against total Cambria County filings — addresses missing the city portion are excluded from the denominator). Top 5 shown; smaller cities aggregate into the long tail.
Get the underlying Cambria County filings
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Cite: Keystone Court Data, "Cambria County Pennsylvania Court Filings Intelligence," 2026-06-20, https://keystonecourtdata.com/reports/cambria-pa-court-filings-intelligence · Download data (CSV)