Largest lenders in Lawrence County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | D | 457 | 244 | 28.2% | 7.75% |
| 2 | PNC Bank | D | 287 | 206 | 16.4% | 6.00% |
| 3 | First National Bank of Pennsylvania | B | 245 | 153 | 28.6% | 6.74% |
| 4 | First Commonwealth Bank | C | 202 | 112 | 30.2% | 5.99% |
| 5 | Rocket Mortgage | C | 185 | 137 | 18.9% | 6.63% |
| 6 | WesBanco Bank | B | 95 | 62 | 20.0% | 3.99% |
| 7 | United Shore Financial Services | B | 94 | 69 | 11.7% | 6.50% |
| 8 | Citizens Bank | C | 78 | 36 | 33.3% | 8.53% |
| 9 | Mortgage Research Center | C | 61 | 32 | 16.4% | 6.50% |
| 10 | Ixonia Bank | C | 57 | 41 | 1.8% | 6.88% |
| 11 | Howard Hanna Financial Services | A | 57 | 47 | 1.8% | 6.50% |
| 12 | Union Savings Bank | A | 51 | 39 | 7.8% | 6.50% |
| 13 | Movement Mortgage | A | 46 | 31 | 0.0% | 6.75% |
| 14 | Coastal Community Bank | C | 44 | 14 | 0.0% | 9.99% |
| 15 | 21st Mortgage | F | 43 | 7 | 58.1% | 13.18% |
| 16 | Kiavi Funding | D | 43 | 20 | 7.0% | 9.95% |
| 17 | Clearview Federal Credit Union | B | 41 | 26 | 29.3% | 7.00% |
| 18 | Pennymac Loan Services | C | 35 | 18 | 5.7% | 6.56% |
| 19 | Triad Financial Services | D | 35 | 8 | 54.3% | 9.38% |
| 20 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 34 | 21 | 20.6% | 6.89% |
| 21 | Broker Solutions | D | 34 | 11 | 11.8% | 7.25% |
| 22 | AmeriSave Mortgage | D | 32 | 5 | 71.9% | 7.25% |
| 23 | Allied Mortgage Group | C | 31 | 21 | 9.7% | 6.38% |
| 24 | Greenville Savings Bank | B | 31 | 27 | 3.2% | — |
| 25 | Dollar Bank, Federal Savings Bank | C | 27 | 16 | 33.3% | 6.57% |
Best approval odds in Lawrence County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Shore Financial Services | 80 | 13.8% |
| 2 | PNC Bank | 257 | 18.3% |
| 3 | Rocket Mortgage | 176 | 19.9% |
| 4 | WesBanco Bank | 84 | 22.6% |
| 5 | First National Bank of Pennsylvania | 224 | 31.3% |
| 6 | The Huntington National Bank | 384 | 33.6% |
| 7 | First Commonwealth Bank | 179 | 34.1% |
| 8 | Citizens Bank | 65 | 40.0% |
What Lawrence County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lawrence County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,604 | 1,493 | 23.9% | 6.88% | $85,000 |
| 2024 | 2,744 | 1,602 | 22.7% | 6.99% | $105,000 |
| 2025 | 3,216 | 1,845 | 21.6% | 6.64% | $105,000 |
Frequently asked questions
21.6% of applications in Lawrence County were denied in 2025, against 18.3% statewide in Pennsylvania.
The Huntington National Bank, with 457 applications in 2025 and a denial rate of 28.2%.
The median mortgage application in Lawrence County in 2025 was for $105,000; the median property value on originated loans was $205,000.