AmeriServ Financial Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
12th24.9% deniedProcesswithdrawn + incomplete share, weight 15%
73rd6.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 525 | 382 | 18.9% | 20.3% | 6.00% | $77M |
| 2024 | 619 | 434 | 23.6% | 24.8% | — | $75M |
| 2025 | 418 | 286 | 23.2% | 24.9% | — | $44M |
What AmeriServ Financial Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 10 manufactured homes, 33 investment properties.
Who gets approved at AmeriServ Financial Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 54 | 31 | 36.0% |
| $50k – $100k | 131 | 84 | 26.1% |
| $100k – $150k | 92 | 63 | 26.7% |
| $150k – $250k | 77 | 63 | 13.5% |
| Over $250k | 31 | 24 | 16.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 28 | 21.6% |
| 35–44 | 85 | 66 | 17.5% |
| 45–54 | 120 | 79 | 29.6% |
| 55–64 | 81 | 56 | 26.9% |
| 65–74 | 45 | 29 | 18.4% |
| Over 74 | 20 | 11 | 33.3% |
Where AmeriServ Financial Bank lends
5 states and 52 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 393 | 275 | 21.6% | — | #192 |
| Maryland | 19 | 8 | 47.4% | — | #416 |
Frequently asked questions
AmeriServ Financial Bank denied 24.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 12th percentile of small mortgage lenders.
In 2025, 21% of its applications were for home purchases, 33% for refinancing (including cash-out), and 45% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.