Mortgage lending in Westmoreland County, Pennsylvania
Lenders in Westmoreland County, Pennsylvania reported 12,796 mortgage applications for 2025, according to the CFPB.
12,796 mortgage applications and 8,240 loans originated in 2025; the denial rate was 21.5% of 10,904 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Pittsburgh, PA HUD Metro FMR Area.
- 12,796
- Applications
- 8,240
- Loans originated
- 21.5%
- Denial rate
- 2,349 denied of 10,904 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,796 | 8,240 |
| 2024 | 10,924 | 6,826 |
| 2023 | 10,854 | 6,742 |
| 2022 | 14,908 | 9,737 |
| 2021 | 21,145 | 14,055 |
| 2020 | 19,131 | 12,653 |
| 2019 | 15,006 | 9,839 |
| 2018 | 14,423 | 9,243 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| PNC Bank N.A. | 864 | 1,230 |
| Dollar Bank, FSB | 582 | 782 |
| Rocket Mortgage | 553 | 759 |
| S&T Bank | 512 | 788 |
| First Commonwealth Bank | 512 | 808 |
| First National Bank of PA | 423 | 624 |
| Citizens Bank, NA | 402 | 666 |
| Somerset Trust Company | 250 | 299 |
| United Wholesale Mortgage | 236 | 352 |
| Union Home Mortgage Corp. | 229 | 269 |
| Clearview Federal Credit Union | 135 | 212 |
| Homestead Funding Corp. | 134 | 166 |
| Plaza Home Mortgage, Inc | 133 | 164 |
| Howard Hanna Financial Services, Inc | 126 | 145 |
| Pennsylvania State Employees Credit Union | 122 | 182 |
| Movement Mortgage, LLC | 116 | 148 |
| Pheple Federal Credit Union | 114 | 141 |
| Mortgage Research Center | 106 | 202 |
| InFirst Bank | 88 | 112 |
| Pennymac Loan Services LLC | 76 | 157 |
| Guaranteed Rate Affinity, LLC | 75 | 101 |
| Huntington National Bank | 72 | 148 |
| NVR Mortgage Finance, Inc. | 71 | 87 |
| West Penn Financial Service Center, Inc. | 70 | 78 |
| Keybank National Association | 65 | 97 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 31 | no rate: base under 50 |
| Asian | 131 | 26.0% of 104 decided |
| Black or African American | 239 | 32.8% of 195 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 10,843 | 20.9% of 9,371 decided |
| 2 or more minority races | 10 | no rate: base under 50 |
| Joint | 133 | 14.9% of 107 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,401 | 24.8% of 1,083 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 163 | 25.4% of 130 decided |
| Not Hispanic or Latino | 11,027 | 21.1% of 9,537 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,497 | 24.9% of 1,147 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,493 | 23.8% of 3,735 decided |
| Female | 2,678 | 25.0% of 2,283 decided |
| Joint | 4,641 | 17.0% of 4,140 decided |
| Sex Not Available | 984 | 25.5% of 746 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. 2256 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