AmeriServ Financial Bank
AmeriServ Financial Bank received 418 applications in 2025 and made 286 mortgages, in 52 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 390 decisions, 97 were denials — 24.9%.
| Legal Entity Identifier | 54930089UXPZ6O3RHG71 |
|---|---|
| Applications received | 418 |
| Mortgages made | 286 |
| Denied | 97 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 28 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Ameriserv Financial Bank, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 62 | Not published | $190,000 | 10.8% |
| Refinancing | 98 | Not published | $125,000 | 23.3% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 122 | Not published | $65,000 | 31.9% |
Where AmeriServ Financial Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cambria County, PA | 89 | Not published | 20.3% |
| Somerset County, PA | 26 | Not published | 30.8% |
| Allegheny County, PA | 24 | Not published | 20.0% |
| Centre County, PA | 17 | Not published | 5.6% |
| Montgomery County, PA | 11 | Not published | 21.4% |
| Delaware County, PA | 10 | Not published | 16.7% |
| Westmoreland County, PA | 10 | Not published | 31.3% |
| Chester County, PA | 9 | Under 10 loans | 16.7% |
| Bucks County, PA | 7 | Under 10 loans | 12.5% |
| Indiana County, PA | 7 | Under 10 loans | 42.9% |
| Blair County, PA | 5 | Under 10 loans | 28.6% |
| Lancaster County, PA | 5 | Under 10 loans | 25.0% |
| Washington County, MD | 4 | Under 10 loans | 63.6% |
| Beaver County, PA | 4 | Under 10 loans | 0.0% |
| Berks County, PA | 4 | Under 10 loans | 42.9% |
| Dauphin County, PA | 4 | Under 10 loans | 20.0% |
| Erie County, PA | 4 | Under 10 loans | 42.9% |
| Monroe County, PA | 4 | Under 10 loans | 33.3% |
| York County, PA | 4 | Under 10 loans | 20.0% |
| Butler County, PA | 3 | Under 10 loans | 25.0% |
| Franklin County, PA | 3 | Under 10 loans | 25.0% |
| Lackawanna County, PA | 3 | Under 10 loans | 25.0% |
| Northampton County, PA | 3 | Under 10 loans | 0.0% |
| Broward County, FL | 2 | Under 10 loans | 0.0% |
| Crawford County, PA | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 50.0% |
| Lycoming County, PA | 2 | Under 10 loans | 0.0% |
| Washington County, PA | 2 | Under 10 loans | 33.3% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Frederick County, MD | 1 | Under 10 loans | 50.0% |
| Garrett County, MD | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 50.0% |
| Fayette County, PA | 1 | Under 10 loans | 0.0% |
| Fulton County, PA | 1 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 1 | Under 10 loans | 0.0% |
| Lebanon County, PA | 1 | Under 10 loans | 0.0% |
| Luzerne County, PA | 1 | Under 10 loans | 0.0% |
| McKean County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Tioga County, PA | 1 | Under 10 loans | 0.0% |
| Union County, PA | 1 | Under 10 loans | 0.0% |
| Venango County, PA | 1 | Under 10 loans | 0.0% |
| Wayne County, PA | 1 | Under 10 loans | 0.0% |
| Prince George's County, MD | 0 | Under 10 loans | Not published |
| Delaware County, OH | 0 | Under 10 loans | 100.0% |
| Clearfield County, PA | 0 | Under 10 loans | 100.0% |
| Clinton County, PA | 0 | Under 10 loans | 100.0% |
| Cumberland County, PA | 0 | Under 10 loans | 100.0% |
| Lawrence County, PA | 0 | Under 10 loans | Not published |
Get told when this changes
When AmeriServ Financial Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.