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Lawrence County, Pennsylvania
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lawrence County, Pennsylvania, saw 2,744 HMDA-reported applications and 1,602 originations ($214m) in 2024.
That is 44.4 originations per 1,000 households, against 46.6 for Pennsylvania and 48.0 nationally.
The county's denial rate was 27.1%, above the state rate of 24.2%. The median rate spread on originated loans was 0.5 percentage points and 15.8% of originations were 1.5 points or more above the average prime offer rate.
21 lenders reached 25 applications in the county; the most active by originations were Huntington National Bank (266), Rocket Mortgage (126) and First National Bank of Pa (112).
Originations were up 7% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Huntington National Bank | 480 | 266 | $27m | 31.6% | — |
| 2 | Rocket Mortgage | 172 | 126 | $19m | 17.3% | — |
| 3 | First National Bank of Pa | 196 | 112 | $12m | 37.3% | — |
| 4 | PNC Bank N.A. | 147 | 96 | $10.0m | 23.0% | — |
| 5 | First Commonwealth Bank | 162 | 88 | $9.3m | 34.9% | — |
| 6 | United Wholesale Mortgage | 79 | 63 | $10m | 5.9% | — |
| 7 | Wesbanco Bank, Inc. | 87 | 61 | $5.7m | 20.8% | — |
| 8 | Howard Hanna Financial Services, Inc | 59 | 47 | $7.8m | 2.1% | — |
| 9 | Union Savings Bank | 55 | 43 | $7.9m | 4.4% | — |
| 10 | Ixonia Bank | 53 | 39 | $5.5m | 2.5% | — |
| 11 | Mortgage Research Center | 52 | 36 | $6.5m | 12.2% | — |
| 12 | CBNA Year to Date | 64 | 31 | $4.0m | 42.9% | — |
| 13 | Movement Mortgage, LLC | 33 | 30 | $4.5m | 3.1% | — |
| 14 | Pa State Employees CU | 34 | 23 | $1.5m | 28.1% | — |
| 15 | Greenville Savings Bank | 28 | 22 | $1.9m | 7.7% | — |
| 16 | Dollar Bank, FSB | 28 | 16 | $1.7m | 32.0% | — |
| 17 | Pennymac Loan Services LLC | 36 | 12 | $1.7m | — | — |
| 18 | New American Funding, LLC. | 27 | 7 | $885k | — | — |
| 19 | Discover Bank | 45 | 6 | $300k | 81.3% | — |
| 20 | Amerisave Mortgage Company | 34 | 6 | $420k | 80.6% | — |
| 21 | New Day Financial, LLC. | 28 | 4 | $870k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 21. Denial rate is denials over decided applications in this county.
Compared with Pennsylvania and the nation
| Measure | This county | Pennsylvania | United States |
|---|---|---|---|
| Denial rate | 27.1% | 24.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.8% | 14.1% | 15.6% |
| Average originated loan | $134k | $226k | $329k |
| Originations per 1,000 households | 44.4 | 46.6 | 48.0 |
| Home purchase share of originations | 45.6% | 48.7% | 57.0% |
| FHA-insured share | 13.9% | 9.8% | 13.4% |
| VA-guaranteed share | 5.1% | 4.0% | 7.9% |
Rate spread distribution
Share of 1,474 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Pennsylvania). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 46% (731)Home improvement 16% (253)Refinancing 14% (230)Cash-out refinancing 12% (193)Other purpose 12% (195)
By type
Conventional 80% (1,286)FHA 14% (222)VA 5% (82)USDA 1% (12)
Trend by year
ApplicationsOriginations
This countyPennsylvania
Questions and answers
Which lenders are most active in Lawrence County, PA?
By 2024 originations: Huntington National Bank (266), Rocket Mortgage (126), First National Bank of Pa (112), PNC Bank N.A. (96), First Commonwealth Bank (88). 21 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Lawrence County?
27.1% of decided applications were denied in 2024, against 24.2% across Pennsylvania and 24.3% nationally.
How many mortgages were originated in Lawrence County in 2024?
1,602 loans totalling $214m, from 2,744 applications; 44.4 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 42073; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.