Mercer County State Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
13th24.1% deniedProcesswithdrawn + incomplete share, weight 15%
33rd15.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 287 | 210 | 10.8% | 12.6% | — | $29M |
| 2024 | 220 | 133 | 15.5% | 19.5% | — | $17M |
| 2025 | 187 | 115 | 20.3% | 24.1% | — | $14M |
What Mercer County State Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 10 manufactured homes, 22 investment properties.
Who gets approved at Mercer County State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 39 | 19 | 39.4% |
| $50k – $100k | 71 | 49 | 17.0% |
| $100k – $150k | 35 | 19 | 27.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 11 | 36.8% |
| 35–44 | 28 | 21 | 15.4% |
| 45–54 | 27 | 19 | 23.1% |
| 55–64 | 45 | 22 | 31.3% |
| 65–74 | 25 | 17 | 18.2% |
Where Mercer County State Bank lends
2 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 185 | 114 | 20.0% | — | #289 |
Frequently asked questions
Mercer County State Bank denied 24.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 13th percentile of small mortgage lenders.
In 2025, 42% of its applications were for home purchases, 17% for refinancing (including cash-out), and 41% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.