Jefferson County, PA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,184 mortgage applications in Jefferson County, PA totaling $147.6 million, up 10% from 2024. The average application was for $124,000, and applicants reported an average income of $92,000. 59% of applications resulted in an originated loan and 21% were denied. The most active lender was S&T Bank, with 248 applications, followed by First Commonwealth Bank and Cornerstone Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,184
Total Mortgage Loan Application Amount $147,580,000
Average Mortgage Loan Application Amount $124,000
Highest Mortgage Loan Application Amount $2,945,000
Average Applicant Income $92,000
Highest Applicant Income $2,802,000

Mortgage Company List for Lending in Jefferson County, PA for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ n/a 248 $ 26,020,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ n/a 185 $ 15,445,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ n/a 88 $ 13,440,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ n/a 88 $ 13,440,000
Pennsylvania State Employees Credit Union
PO BOX 67013
HARRISBURG, PA 17110
* $ n/a 48 $ 4,340,000
Top Tier Federal Credit Union
144 HOLIDAY INN RD
CLARION, PA 16214
* $ n/a 32 $ 4,060,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ n/a 31 $ 3,665,000
Marion Center Bank
1271 INDIAN SPRINGS RD
INDIANA, PA 15701
* $ n/a 29 $ 5,335,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ n/a 28 $ 3,780,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 24 $ 3,970,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 23 $ 3,595,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 22 $ 3,030,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 21 $ 4,185,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 17 $ 2,065,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 17 $ 1,685,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 16 $ 1,530,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 16 $ 2,370,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 15 $ 1,965,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ n/a 13 $ 1,495,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 12 $ 1,680,000
Timberland Federal Credit Union
821 BEAVER DR
DUBOIS, PA 15801
* $ n/a 10 $ 420,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 10 $ 1,960,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 9 $ 1,425,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 9 $ 2,085,000
Elderton State Bank
143 NORTH MAIN STREET, P.O. BOX 427
ELDERTON, PA 15736
* $ n/a 8 $ 1,930,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 7 $ 355,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 7 $ 955,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 6 $ 260,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ n/a 6 $ 910,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 6 $ 300,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 6 $ 1,000,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 500,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 660,000
Jersey Shore State Bank
300 MARKET STREET
WILLIAMSPORT, PA 17701
* $ n/a 5 $ 395,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 5 $ 955,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 5 $ 555,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 5 $ 1,555,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 370,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 950,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ n/a 4 $ 490,000
Affordable Mortgage Advisors
4640 CAMPBELLS RUN ROAD
PITTSBURGH, PA 15205
* $ n/a 4 $ 710,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 410,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 4 $ 210,000
Nextier Bank, National Association
245 PITTSBURGH RD
KITTANNING, PA 16201
* $ n/a 4 $ 540,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 265,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 465,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 305,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 3 $ 515,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 3 $ 175,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 3 $ 255,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 745,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 285,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 2 $ 140,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 2 $ 240,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 2 $ 130,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 2 $ 60,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 180,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 330,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ n/a 2 $ 300,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 250,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 2 $ 300,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 210,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 2 $ 1,020,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 100,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 2 $ 510,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ n/a 2 $ 250,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 70,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 130,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 2 $ 260,000
1st Summit Bank
125 DONALD LANE
JOHNSTOWN, PA 15904
* $ n/a 2 $ 350,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ n/a 1 $ 65,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 125,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 1 $ 135,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ n/a 1 $ 2,945,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 235,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 1 $ 295,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 155,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 45,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 165,000
Acre Mortgage & Financial, Inc.
70 EAST MAIN STREET
MARLTON, NJ 08053
* $ n/a 1 $ 205,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 445,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 185,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ n/a 1 $ 85,000
Saxton Mortgage, LLC
9191 TOWNE CENTRE DRIVE SUITE 400
SAN DIEGO, CA 92122
* $ n/a 1 $ 245,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 155,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 255,000
Sun East Federal Credit Union
4500 PENNELL ROAD
ASTON, PA 19014
* $ n/a 1 $ 105,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 1 $ 165,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 505,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 125,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 135,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 1 $ 115,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ n/a 1 $ 325,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 215,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 65,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 75,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 655,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 1 $ 205,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 65,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 205,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 75,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 75,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 75,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ n/a 1 $ 195,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 115,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 145,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 205,000

The tables below break down 2025 mortgage applications in Jefferson County, PA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Jefferson County, PA in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 453 $75,035,000 $165,000 $2,945,000 $96,000 $2,802,000
Refinancing 242 $30,350,000 $125,000 $925,000 $95,000 $1,420,000
Home Improvement 186 $11,890,000 $63,000 $525,000 $88,000 $510,000
Other Purpose 168 $12,600,000 $75,000 $405,000 $88,000 $237,000
Cash-out Refinancing 134 $17,690,000 $132,000 $505,000 $80,000 $836,000
Not Applicable 1 $15,000 $15,000 $15,000 $74,000 $74,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,017 $120,835,000 $118,000 $1,715,000 $92,000 $2,802,000
Not Provided 87 $12,005,000 $137,000 $405,000 $96,000 $836,000
Not applicable 61 $11,855,000 $194,000 $2,945,000 $71,000 $125,000
Hispanic 8 $1,520,000 $190,000 $405,000 $76,000 $176,000
Black or African American 5 $815,000 $163,000 $355,000 $58,000 $104,000
American Indian or Alaskan Native 3 $165,000 $55,000 $105,000 $71,000 $100,000
Asian 3 $385,000 $128,000 $215,000 $97,000 $114,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 946 $107,020,000 $113,000 $2,945,000 $95,000 $2,802,000
FHA-insured (Federal Housing Administration) 138 $19,600,000 $142,000 $505,000 $72,000 $836,000
VA-guaranteed (Veterans Administration) 88 $19,420,000 $220,000 $655,000 $74,000 $234,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,540,000 $128,000 $175,000 $67,000 $96,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 702 $89,170,000 $127,000 $2,945,000 $98,000 $2,802,000
Application Denied By Financial Institution 251 $25,685,000 $102,000 $455,000 $75,000 $836,000
Application Withdrawn By Applicant 109 $15,905,000 $145,000 $515,000 $92,000 $510,000
Loan Purchased By The Institution 53 $8,095,000 $152,000 $655,000 $68,000 $125,000
File Closed For Incompleteness 45 $5,495,000 $122,000 $355,000 $92,000 $416,000
Application Approved But Not Accepted 23 $3,045,000 $132,000 $435,000 $76,000 $144,000
Preapproval Approved but not Accepted 1 $185,000 $185,000 $185,000 $112,000 $112,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 867 $112,535,000 $129,000 $2,945,000 $94,000 $2,802,000
Debt-To-Income Ratio 123 $16,965,000 $137,000 $575,000 $91,000 $1,420,000
Credit History 78 $6,270,000 $80,000 $325,000 $74,000 $288,000
Collateral 56 $5,310,000 $94,000 $335,000 $87,000 $517,000
Credit Application Incomplete 32 $2,830,000 $88,000 $205,000 $88,000 $836,000
Other 16 $2,090,000 $130,000 $345,000 $66,000 $118,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,055,000 $150,000 $295,000 $74,000 $97,000
Employment History 3 $255,000 $85,000 $105,000 $62,000 $113,000
Unverifiable Information 2 $270,000 $135,000 $225,000 $96,000 $105,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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