SOMERSET TRUST COMPANY
SOMERSET TRUST COMPANY received 1,285 applications in 2025 and made 1,076 mortgages, in 39 counties across 9 states. The median rate its borrowers got was 5.995% on a median loan of $75,000. Of 1,215 decisions, 117 were denials — 9.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300D1PL8LHKCBST97 |
|---|---|
| Applications received | 1,285 |
| Mortgages made | 1,076 |
| Denied | 117 |
| Approved, not taken up | 22 |
| Withdrawn or incomplete | 70 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.188 points |
| FDIC-insured bank | Yes: Somerset Trust Company, 50 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 397 | 6.375% | $165,000 | 5.6% |
| Refinancing | 261 | 5.990% | $85,000 | 11.4% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 417 | 5.740% | $45,000 | 12.1% |
Where SOMERSET TRUST COMPANY lends most
The 39 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Somerset County, PA | 321 | 5.750% | 11.3% |
| Westmoreland County, PA | 250 | 6.125% | 9.5% |
| Fayette County, PA | 239 | 6.125% | 10.4% |
| Cambria County, PA | 74 | 5.740% | 5.1% |
| Bedford County, PA | 73 | 5.990% | 12.0% |
| Allegheny County, PA | 41 | 7.150% | 2.3% |
| Indiana County, PA | 14 | 6.370% | 6.3% |
| Allegany County, MD | 9 | Under 10 loans | 0.0% |
| Washington County, PA | 7 | Under 10 loans | 22.2% |
| Garrett County, MD | 5 | Under 10 loans | 16.7% |
| District of Columbia, DC | 4 | Under 10 loans | 0.0% |
| Beaver County, PA | 4 | Under 10 loans | 0.0% |
| Butler County, PA | 4 | Under 10 loans | 0.0% |
| Armstrong County, PA | 3 | Under 10 loans | 0.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Lawrence County, PA | 2 | Under 10 loans | 0.0% |
| Hampshire County, WV | 2 | Under 10 loans | 0.0% |
| Preston County, WV | 2 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Blair County, PA | 1 | Under 10 loans | 50.0% |
| Clinton County, PA | 1 | Under 10 loans | 0.0% |
| Crawford County, PA | 1 | Under 10 loans | 0.0% |
| Elk County, PA | 1 | Under 10 loans | 0.0% |
| Erie County, PA | 1 | Under 10 loans | 0.0% |
| Franklin County, PA | 1 | Under 10 loans | 0.0% |
| Greene County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Montgomery County, VA | 1 | Under 10 loans | 0.0% |
| York County, VA | 1 | Under 10 loans | 0.0% |
| Norfolk city, VA | 1 | Under 10 loans | 0.0% |
| Mineral County, WV | 1 | Under 10 loans | 0.0% |
| Monongalia County, WV | 1 | Under 10 loans | 0.0% |
| Centre County, PA | 0 | Under 10 loans | Not published |
Get told when this changes
When SOMERSET TRUST COMPANY’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.