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Westmoreland County, Pennsylvania · 2025

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

343 lenders acted on 12,796 mortgage applications for properties in Westmoreland County in 2025. 18.4% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.55%; median loan $125,000; median property value $255,000.

13kApplications
18.4%Denial ratestate 18.3%
6.55%Median ratestate 6.63%
$125,000Median loan
$255,000Median property value

Largest lenders in Westmoreland County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 PNC Bank D 1,230864 16.1%6.38%
2 First Commonwealth Bank C 808512 22.7%6.00%
3 S&T Bank B 788512 29.8%3.99%
4 Dollar Bank, Federal Savings Bank C 782582 15.7%6.69%
5 Rocket Mortgage C 759553 18.6%6.50%
6 Citizens Bank C 666402 25.2%7.65%
7 First National Bank of Pennsylvania B 624423 24.8%6.49%
8 United Shore Financial Services B 352236 15.3%6.50%
9 Somerset Trust A 299250 9.0%6.13%
10 Union Home Mortgage B 269229 2.6%6.63%
11 Clearview Federal Credit Union B 212135 24.5%6.75%
12 Mortgage Research Center C 202106 16.8%6.63%
13 PENNSYLVANIA STATE EMPLOYEES Credit Union C 182122 15.4%6.47%
14 Homestead Funding A 166134 0.6%6.38%
15 Plaza Home Mortgage C 164133 12.2%6.49%
16 Pennymac Loan Services C 15776 14.0%6.62%
17 Movement Mortgage A 148116 1.4%6.63%
18 The Huntington National Bank D 14872 32.4%7.84%
19 Howard Hanna Financial Services A 145126 1.4%6.50%
20 PHEPLE Federal Credit Union C 141114 4.3%6.75%
21 Freedom Mortgage B 12644 16.7%6.25%
22 AmeriSave Mortgage D 12129 64.5%7.50%
23 InFirst Bank C 11288 12.5%7.25%
24 Navy Federal Credit Union D 11155 11.7%7.00%
25 Guaranteed Rate Affinity A 10175 3.0%6.58%

Best approval odds in Westmoreland County

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

#LenderDecidedDecision denial rate
1Victorian Finance540.0%
2Homestead Funding1350.7%
3Movement Mortgage1341.5%
4Howard Hanna Financial Services1281.6%
5Union Home Mortgage2402.9%
6Guaranteed Rate Affinity793.8%
7West Penn Financial Service Center734.1%
8PHEPLE Federal Credit Union1215.0%
9Union Savings Bank506.0%
10Reliance First Capital666.1%

What Westmoreland County borrowers applied for

By loan purpose

Home purchase 4,698 37% · 9.6% denied
Refinance 2,514 20% · 18.9% denied
Cash-out refinance 1,515 12% · 24.1% denied
Home improvement 2,089 16% · 23.8% denied
Other / HELOC 1,980 15% · 28.3% denied

By loan type

Conventional 10,521 82% · 18.6% denied
FHA 1,459 11% · 18.8% denied
VA 705 6% · 15.2% denied
USDA / RHS 111 1% · 9.0% denied

Why applications were denied

Credit history 798 34%
Debt-to-income ratio 525 22%
Collateral 432 19%
Incomplete application 272 12%
Other 191 8%
Unverifiable information 67 3%
Insufficient cash 30 1%
Employment history 20 1%

Westmoreland County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,8546,74220.5%6.88%$105,000
202410,9246,82619.9%6.89%$115,000
202512,7968,24018.4%6.55%$125,000

Frequently asked questions

18.4% of applications in Westmoreland County were denied in 2025, against 18.3% statewide in Pennsylvania.

PNC Bank, with 1,230 applications in 2025 and a denial rate of 16.1%.

The median mortgage application in Westmoreland County in 2025 was for $125,000; the median property value on originated loans was $255,000.