Mortgage lending in Mercer County, Pennsylvania
Lenders in Mercer County, Pennsylvania reported 3,262 mortgage applications for 2025, according to the CFPB.
3,262 mortgage applications and 2,005 loans originated in 2025; the denial rate was 23.1% of 2,716 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Mercer County, PA.
- 3,262
- Applications
- 2,005
- Loans originated
- 23.1%
- Denial rate
- 628 denied of 2,716 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,262 | 2,005 |
| 2024 | 3,028 | 1,805 |
| 2023 | 2,927 | 1,768 |
| 2022 | 3,784 | 2,387 |
| 2021 | 5,035 | 3,260 |
| 2020 | 4,377 | 2,801 |
| 2019 | 3,829 | 2,386 |
| 2018 | 3,874 | 2,345 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First National Bank of PA | 281 | 441 |
| Greenville Savings Bank | 196 | 245 |
| Huntington National Bank | 135 | 270 |
| Ixonia Bank | 131 | 166 |
| Rocket Mortgage | 106 | 166 |
| Grove City Area Federal Credit Union | 96 | 96 |
| PNC Bank N.A. | 95 | 160 |
| Mercer County State Bank | 67 | 113 |
| United Wholesale Mortgage | 60 | 88 |
| Citizens Bank, NA | 46 | 114 |
| Mortgage Research Center | 37 | 77 |
| Howard Hanna Financial Services, Inc | 35 | 41 |
| Equity Resources Inc | 35 | 40 |
| Pennsylvania State Employees Credit Union | 35 | 49 |
| West Penn Financial Service Center, Inc. | 29 | 34 |
| NexTier Bank, National Association | 29 | 31 |
| Pennymac Loan Services LLC | 26 | 43 |
| Mercer County Community FCU | 24 | 27 |
| First Commonwealth Bank | 19 | 40 |
| loanDepot.com LLC | 18 | 40 |
| JLB Corporation Dba Golden Oak Lending | 18 | 23 |
| Seven Seventeen Credit Union | 17 | 26 |
| Union Home Mortgage Corp. | 15 | 18 |
| Newrez LLC | 14 | 33 |
| Navy Federal Credit Union | 13 | 28 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 13 | no rate: base under 50 |
| Black or African American | 96 | 52.5% of 80 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,708 | 22.2% of 2,279 decided |
| 2 or more minority races | under 10 | |
| Joint | 45 | no rate: base under 50 |
| Race Not Available | 390 | 21.1% of 304 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 44 | no rate: base under 50 |
| Not Hispanic or Latino | 2,804 | 23.1% of 2,368 decided |
| Joint | 17 | no rate: base under 50 |
| Ethnicity Not Available | 397 | 23.3% of 305 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,138 | 25.2% of 940 decided |
| Female | 676 | 25.7% of 544 decided |
| Joint | 1,191 | 20.1% of 1,036 decided |
| Sex Not Available | 257 | 21.9% of 196 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2610 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved