Largest lenders in Mercer County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First National Bank of Pennsylvania | B | 441 | 281 | 28.1% | 6.54% |
| 2 | The Huntington National Bank | D | 270 | 135 | 30.4% | 7.84% |
| 3 | Greenville Savings Bank | B | 245 | 196 | 7.8% | — |
| 4 | Ixonia Bank | C | 166 | 131 | 3.0% | 6.75% |
| 5 | Rocket Mortgage | C | 166 | 106 | 21.7% | 6.63% |
| 6 | PNC Bank | D | 160 | 95 | 25.6% | 7.18% |
| 7 | Citizens Bank | C | 114 | 46 | 41.2% | 7.90% |
| 8 | Mercer County State Bank | D | 113 | 67 | 21.2% | — |
| 9 | Grove City Area Federal Credit Union | B | 96 | 96 | 0.0% | 5.74% |
| 10 | United Shore Financial Services | B | 88 | 60 | 13.6% | 6.37% |
| 11 | Mortgage Research Center | C | 77 | 37 | 18.2% | 6.63% |
| 12 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 49 | 35 | 16.3% | 6.88% |
| 13 | Pennymac Loan Services | C | 43 | 26 | 11.6% | 6.25% |
| 14 | Howard Hanna Financial Services | A | 41 | 35 | 0.0% | 6.25% |
| 15 | First Commonwealth Bank | C | 40 | 19 | 42.5% | 6.50% |
| 16 | Equity Resources | C | 40 | 35 | 2.5% | 6.63% |
| 17 | Loandepot.Com | D | 40 | 18 | 32.5% | 6.63% |
| 18 | Broker Solutions | D | 35 | 8 | 17.1% | 7.25% |
| 19 | West Penn Financial Service Center | B | 34 | 29 | 2.9% | 6.63% |
| 20 | Newrez | D | 33 | 14 | 21.2% | 6.18% |
| 21 | AmeriSave Mortgage | D | 32 | 10 | 62.5% | 8.81% |
| 22 | Nextier Bank | C | 31 | 29 | 3.2% | 6.50% |
| 23 | Coastal Community Bank | C | 31 | 6 | 3.2% | 10.87% |
| 24 | Freedom Mortgage | B | 29 | 11 | 10.3% | 6.63% |
| 25 | Navy Federal Credit Union | D | 28 | 13 | 10.7% | 6.50% |
Best approval odds in Mercer County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Grove City Area Federal Credit Union | 96 | 0.0% |
| 2 | Ixonia Bank | 138 | 3.6% |
| 3 | Greenville Savings Bank | 223 | 8.5% |
| 4 | United Shore Financial Services | 73 | 16.4% |
| 5 | Rocket Mortgage | 147 | 24.5% |
| 6 | Mercer County State Bank | 95 | 25.3% |
| 7 | Mortgage Research Center | 51 | 27.5% |
| 8 | PNC Bank | 139 | 29.5% |
| 9 | First National Bank of Pennsylvania | 407 | 30.5% |
| 10 | The Huntington National Bank | 228 | 36.0% |
What Mercer County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Mercer County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,927 | 1,768 | 21.7% | 6.88% | $85,000 |
| 2024 | 3,028 | 1,805 | 21.1% | 6.99% | $105,000 |
| 2025 | 3,262 | 2,005 | 19.3% | 6.63% | $105,000 |
Frequently asked questions
19.3% of applications in Mercer County were denied in 2025, against 18.3% statewide in Pennsylvania.
First National Bank of Pennsylvania, with 441 applications in 2025 and a denial rate of 28.1%.
The median mortgage application in Mercer County in 2025 was for $105,000; the median property value on originated loans was $215,000.