Pennsylvania · HMDA 2025
Mortgage lenders in Jefferson County, PA
106 lenders reported 1,183 home-loan applications in Jefferson County in 2025. 702 closed as loans ($89.2M), 251 were denied — a 25.7% denial rate on decided applications, above the Pennsylvania rate of 22.0%. The three most active lenders handled 44% of applications, led by S&T Bank. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,183
- Loans originated
- 702
- Purchase / refinance
- 307 / 190
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | S&T Bank 70 out of 100, Strong | 248 | 21.0% | 31.1% |
| 2 | First Commonwealth Bank 65 out of 100, Moderate | 185 | 15.6% | 26.5% |
| 3 | InFirst Bank 69 out of 100, Moderate | 88 | 7.4% | 13.2% |
| 4 | Rocket Mortgage, LLC | 58 | 4.9% | — |
| 5 | PENNSYLVANIA STATE EMPLOYEES Credit Union 80 out of 100, Strong | 48 | 4.1% | 15.6% |
| 6 | Top Tier Federal Credit Union 71 out of 100, Strong | 32 | 2.7% | 3.6% |
| 7 | CNB Bank 65 out of 100, Moderate | 31 | 2.6% | 10.4% |
| 8 | Marion Center Bank | 29 | 2.5% | — |
| 9 | The Farmers National Bank of Canfield 63 out of 100, Moderate | 28 | 2.4% | 15.7% |
| 10 | Mortgage Research Center, LLC | 24 | 2.0% | — |
| 11 | PLANET HOME LENDING, LLC | 23 | 1.9% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 22 | 1.9% | — |
| 13 | UNITED SHORE FINANCIAL SERVICES, LLC | 21 | 1.8% | — |
| 14 | NEWREZ LLC | 17 | 1.4% | — |
| 15 | AmeriSave Mortgage Corporation | 17 | 1.4% | — |
| 16 | PNC Bank, National Association 62 out of 100, Moderate | 16 | 1.4% | 33.8% |
| 17 | First National Bank of Pennsylvania 64 out of 100, Moderate | 16 | 1.4% | 26.6% |
| 18 | Broker Solutions, Inc. | 15 | 1.3% | — |
| 19 | Northwest Bank 66 out of 100, Moderate | 13 | 1.1% | 20.6% |
| 20 | Coastal Community Bank 35 out of 100, Low | 12 | 1.0% | 3.0% |
| 21 | Timberland Federal Credit Union 68 out of 100, Moderate | 10 | 0.8% | 29.8% |
| 22 | NEW DAY FINANCIAL, LLC | 10 | 0.8% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 9 | 0.8% | — |
| 24 | UNION HOME MORTGAGE CORP. | 9 | 0.8% | — |
| 25 | Elderton State Bank 74 out of 100, Strong | 8 | 0.7% | 14.1% |
| 26 | 21st Mortgage Corporation | 7 | 0.6% | — |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 0.6% | 14.1% |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.5% | 32.9% |
| 29 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 0.5% | 22.2% |
| 30 | Discover Bank | 6 | 0.5% | — |
| 31 | SPRING EQ, LLC | 6 | 0.5% | — |
| 32 | TIDEWATER MORTGAGE SERVICES, INC. | 6 | 0.5% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 6 | 0.5% | — |
| 34 | Citizens Bank, National Association 54 out of 100, Below average | 5 | 0.4% | 32.5% |
| 35 | The Federal Savings Bank 51 out of 100, Below average | 5 | 0.4% | 19.1% |
| 36 | Equity Prime Mortgage LLC | 5 | 0.4% | — |
| 37 | Jersey Shore State Bank | 5 | 0.4% | — |
| 38 | Mid Penn Bank 69 out of 100, Moderate | 4 | 0.3% | 21.6% |
| 39 | FIGURE LENDING LLC | 4 | 0.3% | — |
| 40 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | 0.3% | — |
Top 40 of 106 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Pennsylvania
- Philadelphia County 52,674 apps
- Allegheny County 48,249 apps
- Montgomery County 35,106 apps
- Bucks County 26,663 apps
- Chester County 23,825 apps
- Delaware County 22,887 apps
- York County 22,065 apps
- Lancaster County 19,787 apps
- Berks County 16,859 apps
- Lehigh County 14,472 apps
- Westmoreland County 14,117 apps
- Northampton County 12,791 apps