AmeriServ Financial Bank in Pennsylvania vs the state
21.6%Denial rate+3.34 pts vs state
23.2%Decision denial rate+0.95 pts vs state
70.0%Origination rate+9.01 pts vs state
—Median rate
—Rate spread (pts)
$101kMedian applicant income
275Loans originated
85Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 507 | 374 | 18.3% | 6.00% | #139 |
| 2024 | 592 | 419 | 23.1% | — | #125 |
| 2025 | 393 | 275 | 21.6% | — | #192 |
What AmeriServ Financial Bank lends in Pennsylvania
By loan purpose
By loan type
Where in Pennsylvania
Counties with the most AmeriServ Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cambria County | 123 | 89 | 23 | 18.7% |
| Somerset County | 43 | 26 | 12 | 27.9% |
| Allegheny County | 33 | 24 | 6 | 18.2% |
| Centre County | 21 | 17 | 1 | 4.8% |
| Westmoreland County | 16 | 10 | 5 | 31.3% |
| Indiana County | 15 | 7 | 6 | 40.0% |
| Montgomery County | 14 | 11 | 3 | 21.4% |
| Chester County | 12 | 9 | 2 | 16.7% |
| Delaware County | 12 | 10 | 2 | 16.7% |
| Bucks County | 8 | 7 | 1 | 12.5% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 393 applications in 2025, of which 275 were originated and 85 denied.
21.6% of all applications, or 23.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are AmeriServ Financial Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology