Mercer County State Bank mortgage approval rate & lending review
Mercer County State Bank decided 315 mortgage applications and funded 251 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mercer County State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mercer County State Bank at a glance
Approval is 8.1 points above the 75.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 68% | 54 / 79 | 96% | $125K | 52 |
| Home improvement loans | 87% | 97 / 112 | 99% | $45K | 96 |
| Refinance | 86% | 54 / 63 | 100% | $95K | 54 |
| Investment property purchase | 92% | 36 / 39 | 83% | $105K | 30 |
Mercer County State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 84% | $95K | 312 | 249 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mercer County State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mercer County, PA | Home improvement loans | 86% | 104 | 88 |
| Mercer County, PA | Refinance | 84% | 55 | 46 |
| Mercer County, PA | Mortgage lenders | 67% | 66 | 42 |
The county markets where Mercer County State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Mercer County State Bank
What is Mercer County State Bank's mortgage approval rate?
Mercer County State Bank approved 83.5% of the 315 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 75.4% national rate for the same mix of loan types.
How often do borrowers take the loan Mercer County State Bank offers?
Borrowers accepted 95% of the loans Mercer County State Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mercer County State Bank make?
The typical home improvement loan loan Mercer County State Bank made was $45K; across all loan types its typical loan ran from $45K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mercer County State Bank lend?
Mercer County State Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and Ohio.
Can I apply to Mercer County State Bank directly?
Yes. Mercer County State Bank is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mercer County State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mercer County State Bank treats applications, then get a rate quote from the lender.