Largest lenders in Indiana County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | S&T Bank | B | 350 | 236 | 29.7% | 6.49% |
| 2 | First Commonwealth Bank | C | 324 | 181 | 28.4% | 6.00% |
| 3 | InFirst Bank | C | 196 | 146 | 11.7% | 6.63% |
| 4 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 133 | 101 | 14.3% | 6.77% |
| 5 | Rocket Mortgage | C | 101 | 67 | 23.8% | 6.99% |
| 6 | PNC Bank | D | 66 | 36 | 31.8% | 7.46% |
| 7 | First National Bank of Pennsylvania | B | 65 | 39 | 29.2% | 6.63% |
| 8 | Marion Center Bank | D | 62 | 47 | 16.1% | — |
| 9 | Kiavi Funding | D | 58 | 2 | 0.0% | 11.99% |
| 10 | United Shore Financial Services | B | 54 | 27 | 27.8% | 6.38% |
| 11 | Elderton State Bank | C | 52 | 43 | 9.6% | — |
| 12 | Total Mortgage Services | B | 49 | 37 | 4.1% | 7.00% |
| 13 | 1st Summit Bank | C | 40 | 32 | 12.5% | 6.74% |
| 14 | Mortgage Research Center | C | 33 | 18 | 24.2% | 6.25% |
| 15 | 21st Mortgage | F | 27 | 3 | 48.2% | 11.48% |
| 16 | Broker Solutions | D | 27 | 3 | 18.5% | 7.25% |
| 17 | Plaza Home Mortgage | C | 26 | 22 | 15.4% | 6.49% |
| 18 | Primelending, a Plainscapital | A | 26 | 18 | 7.7% | 6.63% |
| 19 | AmeriSave Mortgage | D | 25 | 3 | 80.0% | 9.00% |
| 20 | CNB Bank | A | 25 | 18 | 20.0% | 6.49% |
| 21 | Triad Financial Services | D | 25 | 9 | 28.0% | 9.20% |
| 22 | Union Savings Bank | A | 24 | 23 | 0.0% | 6.63% |
| 23 | Pennymac Loan Services | C | 22 | 11 | 13.6% | 6.25% |
| 24 | Citizens Bank | C | 22 | 12 | 13.6% | 8.15% |
| 25 | Newrez | D | 21 | 5 | 28.6% | 6.25% |
Best approval odds in Indiana County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Elderton State Bank | 50 | 10.0% |
| 2 | InFirst Bank | 176 | 13.1% |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 124 | 15.3% |
| 4 | Marion Center Bank | 57 | 17.5% |
| 5 | Rocket Mortgage | 92 | 26.1% |
| 6 | S&T Bank | 341 | 30.5% |
| 7 | First Commonwealth Bank | 285 | 32.3% |
| 8 | First National Bank of Pennsylvania | 58 | 32.8% |
| 9 | PNC Bank | 59 | 35.6% |
What Indiana County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Indiana County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,960 | 1,202 | 22.4% | 6.75% | $85,000 |
| 2024 | 2,080 | 1,264 | 21.8% | 6.88% | $95,000 |
| 2025 | 2,319 | 1,381 | 22.4% | 6.55% | $95,000 |
Frequently asked questions
22.4% of applications in Indiana County were denied in 2025, against 18.3% statewide in Pennsylvania.
S&T Bank, with 350 applications in 2025 and a denial rate of 29.7%.
The median mortgage application in Indiana County in 2025 was for $95,000; the median property value on originated loans was $195,000.