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Allegheny County, Pennsylvania · 2025

Mortgage lenders in Allegheny County, PA: denial rates and top lenders (2025)

564 lenders acted on 43,041 mortgage applications for properties in Allegheny County in 2025. 16.9% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.74%; median loan $155,000; median property value $285,000.

43kApplications
16.9%Denial ratestate 18.3%
6.74%Median ratestate 6.63%
$155,000Median loan
$285,000Median property value

Largest lenders in Allegheny County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 PNC Bank D 4,7093,102 16.8%6.75%
2 Citizens Bank C 3,2671,918 25.3%7.65%
3 Dollar Bank, Federal Savings Bank C 2,8161,935 20.8%6.74%
4 Rocket Mortgage C 2,0791,431 20.1%6.50%
5 First National Bank of Pennsylvania B 1,9231,232 24.2%6.49%
6 United Shore Financial Services B 1,5521,125 11.9%6.50%
7 First Commonwealth Bank C 1,207711 25.6%5.99%
8 Clearview Federal Credit Union B 1,039723 20.4%6.89%
9 Movement Mortgage A 999774 2.4%6.63%
10 The Huntington National Bank D 947509 29.5%7.44%
11 S&T Bank B 756477 27.0%6.40%
12 Howard Hanna Financial Services A 739585 1.2%6.63%
13 Pennymac Loan Services C 544270 12.1%6.50%
14 Guaranteed Rate Affinity A 530374 4.0%6.50%
15 Affordable Mortgage Advisors, LLC. B 524411 0.4%6.75%
16 Union Home Mortgage B 515407 2.7%6.50%
17 Mortgage Research Center C 495235 20.6%6.25%
18 Kiavi Funding D 484200 5.6%9.35%
19 Victorian Finance C 463340 2.2%6.49%
20 Newrez D 458144 22.3%6.75%
21 Crosscountry Mortgage B 437304 3.7%6.63%
22 Coastal Community Bank C 428119 1.4%10.99%
23 Bank of America F 388184 28.4%5.99%
24 JPMorgan Chase Bank B 384204 12.5%6.49%
25 WesBanco Bank B 381282 14.7%3.99%

Best approval odds in Allegheny County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Rf Renovo Management Company680.0%
2Federated Mortgage1130.0%
3Affordable Mortgage Advisors, LLC.4220.5%
4Fairway Independent Mortgage1310.8%
5West Penn Financial Service Center2630.8%
6Velocity Commercial Capital921.1%
7Homestead Funding1521.3%
8Howard Hanna Financial Services5951.5%
9Coastal Community Bank3221.9%
10Dhi Mortgage Company892.3%

What Allegheny County borrowers applied for

By loan purpose

Home purchase 16,223 38% · 6.9% denied
Refinance 8,313 19% · 17.4% denied
Cash-out refinance 5,466 13% · 23.5% denied
Home improvement 6,780 16% · 26.5% denied
Other / HELOC 6,259 15% · 26.2% denied

By loan type

Conventional 37,308 87% · 16.7% denied
FHA 3,907 9% · 19.8% denied
VA 1,809 4% · 16.3% denied
USDA / RHS 17 0% · 17.7% denied

Why applications were denied

Credit history 2,096 29%
Debt-to-income ratio 1,992 28%
Collateral 1,329 18%
Incomplete application 861 12%
Other 539 7%
Unverifiable information 220 3%
Insufficient cash 127 2%
Employment history 75 1%

Allegheny County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202337,52923,33118.9%6.88%$135,000
202438,29623,46318.7%6.99%$145,000
202543,04126,76616.9%6.74%$155,000

Frequently asked questions

16.9% of applications in Allegheny County were denied in 2025, against 18.3% statewide in Pennsylvania.

PNC Bank, with 4,709 applications in 2025 and a denial rate of 16.8%.

The median mortgage application in Allegheny County in 2025 was for $155,000; the median property value on originated loans was $285,000.