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Fayette County, Pennsylvania · 2025

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

213 lenders acted on 3,899 mortgage applications for properties in Fayette County in 2025. 20.2% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.38%; median loan $95,000; median property value $185,000.

3.9kApplications
20.2%Denial ratestate 18.3%
6.38%Median ratestate 6.63%
$95,000Median loan
$185,000Median property value

Largest lenders in Fayette County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 PNC Bank D 918618 16.7%0.25%
2 Somerset Trust A 287239 9.8%6.13%
3 First Federal Savings and Loan Association of Greene B 219181 5.9%5.95%
4 First National Bank of Pennsylvania B 218123 36.2%6.74%
5 Rocket Mortgage C 213137 26.8%6.75%
6 United Bank C 8255 29.3%7.10%
7 United Shore Financial Services B 7945 25.3%6.62%
8 Kiavi Funding D 7638 0.0%7.25%
9 Plaza Home Mortgage C 7553 21.3%6.49%
10 PENNSYLVANIA STATE EMPLOYEES Credit Union C 7346 16.4%6.75%
11 Mortgage Research Center C 7331 20.6%6.50%
12 Frick Financial Federal Credit Union C 6555 15.4%7.74%
13 Cfsbank B 6553 7.7%—
14 Citizens Bank C 5426 33.3%8.15%
15 AmeriSave Mortgage D 519 70.6%8.38%
16 Stockton Mortgage D 5140 5.9%6.63%
17 Crosscountry Mortgage B 4625 8.7%6.58%
18 Freedom Mortgage B 4415 15.9%6.38%
19 Dollar Bank, Federal Savings Bank C 3928 10.3%6.61%
20 Newrez D 3912 18.0%6.25%
21 Broker Solutions D 388 7.9%7.25%
22 Vanderbilt Mortgage and Finance F 383 60.5%9.99%
23 21st Mortgage F 359 48.6%10.42%
24 Loandepot.Com D 3515 34.3%6.63%
25 KeyBank C 3114 45.2%7.90%

Best approval odds in Fayette County

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

#LenderDecidedDecision denial rate
1First Federal Savings and Loan Association of Greene1996.5%
2Cfsbank598.5%
3Somerset Trust27010.4%
4Frick Financial Federal Credit Union6515.4%
5PNC Bank79619.2%
6PENNSYLVANIA STATE EMPLOYEES Credit Union6020.0%
7Plaza Home Mortgage6923.2%
8Rocket Mortgage19928.6%
9United Shore Financial Services6729.9%
10United Bank7930.4%

What Fayette County borrowers applied for

By loan purpose

Home purchase 1,323 34% · 13.2% denied
Refinance 851 22% · 16.9% denied
Cash-out refinance 469 12% · 31.1% denied
Home improvement 574 15% · 30.3% denied
Other / HELOC 682 17% · 21.6% denied

By loan type

Conventional 3,097 79% · 20.5% denied
FHA 489 13% · 22.3% denied
VA 219 6% · 14.6% denied
USDA / RHS 94 2% · 10.6% denied

Why applications were denied

Credit history 306 39%
Collateral 169 22%
Debt-to-income ratio 131 17%
Incomplete application 87 11%
Other 38 5%
Unverifiable information 24 3%
Insufficient cash 19 2%
Employment history 9 1%

Fayette County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,1621,79523.2%6.79%$95,000
20243,2931,90223.1%6.89%$95,000
20253,8992,39420.2%6.38%$95,000

Frequently asked questions

20.2% of applications in Fayette County were denied in 2025, against 18.3% statewide in Pennsylvania.

PNC Bank, with 918 applications in 2025 and a denial rate of 16.7%.

The median mortgage application in Fayette County in 2025 was for $95,000; the median property value on originated loans was $185,000.