Mercer County State Bank in Pennsylvania vs the state
20.0%Denial rate+1.71 pts vs state
23.7%Decision denial rate+1.51 pts vs state
61.6%Origination rate+0.66 pts vs state
—Median rate
—Rate spread (pts)
$76kMedian applicant income
114Loans originated
37Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 285 | 208 | 10.9% | — | #219 |
| 2024 | 217 | 133 | 14.8% | — | #258 |
| 2025 | 185 | 114 | 20.0% | — | #289 |
What Mercer County State Bank lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most Mercer County State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mercer County | 113 | 67 | 24 | 21.2% |
| Crawford County | 31 | 18 | 8 | 25.8% |
| Venango County | 19 | 13 | 3 | 15.8% |
| Lawrence County | 8 | 6 | 0 | 0.0% |
| Butler County | 6 | 6 | 0 | 0.0% |
| Erie County | 3 | 2 | 0 | 0.0% |
| Allegheny County | 3 | 2 | 1 | 33.3% |
| Beaver County | 1 | 0 | 0 | 0.0% |
| Warren County | 1 | 0 | 1 | 100.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 185 applications in 2025, of which 114 were originated and 37 denied.
20.0% of all applications, or 23.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Mercer County State Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology