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Erie County, Pennsylvania · 2025

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

250 lenders acted on 7,681 mortgage applications for properties in Erie County in 2025. 18.2% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.63%; median loan $115,000; median property value $225,000.

7.7kApplications
18.2%Denial ratestate 18.3%
6.63%Median ratestate 6.63%
$115,000Median loan
$225,000Median property value

Largest lenders in Erie County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Marquette Savings Bank B 666545 5.7%6.50%
2 Erie Federal Credit Union C 624398 26.0%6.25%
3 Northwest Bank B 524391 15.1%6.25%
4 United Shore Financial Services B 449352 8.0%6.50%
5 PNC Bank D 445264 23.4%7.38%
6 Rocket Mortgage C 429321 16.6%6.88%
7 Widget Federal Credit Union D 291128 42.6%6.50%
8 First National Bank of Pennsylvania B 280176 26.1%6.49%
9 Movement Mortgage A 234185 2.6%6.75%
10 Citizens Bank C 225136 28.4%7.65%
11 CNB Bank A 215175 9.3%6.13%
12 Mortgage Research Center C 14883 18.2%6.25%
13 Equity Resources C 125100 5.6%6.63%
14 Pennymac Loan Services C 10463 13.5%6.63%
15 21st Mortgage F 9414 52.1%11.54%
16 PENNSYLVANIA STATE EMPLOYEES Credit Union C 9269 9.8%6.64%
17 The Huntington National Bank D 8844 31.8%7.75%
18 Coastal Community Bank C 8618 2.3%10.62%
19 Affordable Mortgage Advisors, LLC. B 8469 0.0%6.88%
20 Howard Hanna Financial Services A 8363 1.2%6.50%
21 Union Home Mortgage B 7863 2.6%6.50%
22 Freedom Mortgage B 7330 8.2%6.25%
23 Plaza Home Mortgage C 7148 14.1%6.81%
24 Triad Financial Services D 7025 25.7%9.38%
25 Navy Federal Credit Union D 7031 21.4%6.25%

Best approval odds in Erie County

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

#LenderDecidedDecision denial rate
1Affordable Mortgage Advisors, LLC.690.0%
2Howard Hanna Financial Services671.5%
3First Community Mortgage581.7%
4Movement Mortgage2122.8%
5Union Home Mortgage673.0%
6Coastal Community Bank613.3%
7Marquette Savings Bank5966.4%
8Equity Resources1076.5%
9United Shore Financial Services3919.2%
10CNB Bank19510.3%

What Erie County borrowers applied for

By loan purpose

Home purchase 3,017 39% · 10.2% denied
Refinance 1,114 15% · 17.2% denied
Cash-out refinance 1,191 16% · 21.7% denied
Home improvement 1,318 17% · 27.0% denied
Other / HELOC 1,041 14% · 27.7% denied

By loan type

Conventional 6,305 82% · 18.3% denied
FHA 844 11% · 19.9% denied
VA 520 7% · 14.4% denied
USDA / RHS 12 0% · 16.7% denied

Why applications were denied

Credit history 459 34%
Debt-to-income ratio 386 28%
Collateral 177 13%
Incomplete application 144 11%
Other 122 9%
Unverifiable information 58 4%
Insufficient cash 18 1%
Employment history 5 0%

Erie County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,8664,29121.5%6.75%$95,000
20246,9604,32621.3%6.88%$105,000
20257,6814,89118.2%6.63%$115,000

Frequently asked questions

18.2% of applications in Erie County were denied in 2025, against 18.3% statewide in Pennsylvania.

Marquette Savings Bank, with 666 applications in 2025 and a denial rate of 5.7%.

The median mortgage application in Erie County in 2025 was for $115,000; the median property value on originated loans was $225,000.