Largest lenders in Jefferson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | S&T Bank | B | 248 | 181 | 23.4% | 6.49% |
| 2 | First Commonwealth Bank | C | 185 | 116 | 26.5% | 5.99% |
| 3 | InFirst Bank | C | 88 | 70 | 11.4% | 6.75% |
| 4 | Rocket Mortgage | C | 58 | 30 | 34.5% | 6.56% |
| 5 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 48 | 34 | 16.7% | 6.63% |
| 6 | Top Tier Federal Credit Union | A | 32 | 26 | 3.1% | — |
| 7 | CNB Bank | A | 31 | 30 | 0.0% | 6.31% |
| 8 | Marion Center Bank | D | 29 | 18 | 27.6% | — |
| 9 | The Farmers National Bank of Canfield | B | 28 | 15 | 25.0% | 6.50% |
| 10 | Mortgage Research Center | C | 24 | 13 | 29.2% | 6.75% |
| 11 | United Shore Financial Services | B | 21 | 12 | 19.1% | 6.31% |
| 12 | AmeriSave Mortgage | D | 17 | 4 | 58.8% | 9.00% |
| 13 | PNC Bank | D | 16 | 10 | 12.5% | 6.62% |
| 14 | First National Bank of Pennsylvania | B | 15 | 10 | 33.3% | 6.88% |
| 15 | Broker Solutions | D | 15 | 4 | 6.7% | 7.25% |
| 16 | Northwest Bank | B | 13 | 9 | 15.4% | 6.00% |
| 17 | Coastal Community Bank | C | 12 | 4 | 0.0% | 10.49% |
| 18 | New Day Financial | F | 10 | 1 | 50.0% | 7.25% |
| 19 | Planet Home Lending | B | 10 | 7 | 30.0% | 6.88% |
| 20 | Timberland Federal Credit Union | – | 10 | 8 | 20.0% | — |
| 21 | Pennymac Loan Services | C | 9 | 4 | 22.2% | 6.74% |
| 22 | Union Home Mortgage | B | 9 | 7 | 0.0% | 6.88% |
| 23 | Newrez | D | 9 | 3 | 11.1% | 6.75% |
| 24 | Freedom Mortgage | B | 8 | 6 | 0.0% | 6.25% |
| 25 | Elderton State Bank | C | 8 | 6 | 25.0% | — |
Best approval odds in Jefferson County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | InFirst Bank | 83 | 12.1% |
| 2 | S&T Bank | 241 | 24.1% |
| 3 | First Commonwealth Bank | 166 | 29.5% |
| 4 | Rocket Mortgage | 51 | 39.2% |
What Jefferson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jefferson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,003 | 596 | 23.2% | 6.80% | $85,000 |
| 2024 | 1,030 | 636 | 22.1% | 6.88% | $85,000 |
| 2025 | 1,130 | 702 | 22.2% | 6.49% | $95,000 |
Frequently asked questions
22.2% of applications in Jefferson County were denied in 2025, against 18.3% statewide in Pennsylvania.
S&T Bank, with 248 applications in 2025 and a denial rate of 23.4%.
The median mortgage application in Jefferson County in 2025 was for $95,000; the median property value on originated loans was $175,000.