Somerset Trust in Pennsylvania vs the state
9.3%Denial rate-8.98 pts vs state
9.9%Decision denial rate-12.35 pts vs state
83.5%Origination rate+22.51 pts vs state
5.99%Median rate-0.63 pts vs state
-0.18Rate spread (pts)-0.42 pts vs state
$88kMedian applicant income
1,040Loans originated
116Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,050 | 866 | 10.9% | 6.49% | #73 |
| 2024 | 1,071 | 871 | 11.7% | 6.24% | #76 |
| 2025 | 1,246 | 1,040 | 9.3% | 5.99% | #73 |
What Somerset Trust lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Somerset Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Somerset County | 393 | 321 | 42 | 10.7% |
| Westmoreland County | 299 | 250 | 27 | 9.0% |
| Fayette County | 287 | 239 | 28 | 9.8% |
| Bedford County | 91 | 73 | 10 | 11.0% |
| Cambria County | 82 | 74 | 4 | 4.9% |
| Allegheny County | 44 | 41 | 1 | 2.3% |
| Indiana County | 17 | 14 | 1 | 5.9% |
| Washington County | 9 | 7 | 2 | 22.2% |
| Beaver County | 4 | 4 | 0 | 0.0% |
| Butler County | 4 | 4 | 0 | 0.0% |
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: 1,246 applications in 2025, of which 1,040 were originated and 116 denied.
9.3% of all applications, or 9.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Somerset Trust originated in Pennsylvania in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Somerset Trust'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