Ameriserv Financial Bank mortgage approval rate & lending review
Ameriserv Financial Bank decided 993 mortgage applications and funded 775 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ameriserv Financial Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ameriserv Financial Bank at a glance
Approval is 4.2 points above the 74.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 266 / 283 | 99% | $175K | 264 |
| Home improvement loans | 71% | 245 / 346 | 99% | $65K | 242 |
| Refinance | 76% | 213 / 282 | 99% | $105K | 211 |
| Investment property purchase | 82% | 31 / 38 | 97% | $185K | 30 |
Ameriserv Financial Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 80% | $105K | 954 | 753 |
| Maryland | 57% | $105K | 28 | 16 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ameriserv Financial Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cambria County, PA | Mortgage lenders | 94% | 94 | 86 |
| Cambria County, PA | Home improvement loans | 74% | 110 | 80 |
| Cambria County, PA | Refinance | 72% | 113 | 80 |
| Centre County, PA | Mortgage lenders | 94% | 71 | 67 |
| Montgomery County, PA | Home improvement loans | 73% | 26 | 19 |
| Delaware County, PA | Home improvement loans | 75% | 24 | 18 |
| Centre County, PA | Refinance | 77% | 22 | 17 |
| Centre County, PA | Home improvement loans | 67% | 21 | 13 |
| Westmoreland County, PA | Home improvement loans | 62% | 21 | 13 |
The county markets where Ameriserv Financial Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ameriserv Financial Bank
What is Ameriserv Financial Bank's mortgage approval rate?
Ameriserv Financial Bank approved 79.0% of the 993 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.2 points above the 74.7% national rate for the same mix of loan types.
How often do borrowers take the loan Ameriserv Financial Bank offers?
Borrowers accepted 99% of the loans Ameriserv Financial Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ameriserv Financial Bank make?
The typical home improvement loan loan Ameriserv Financial Bank made was $65K; across all loan types its typical loan ran from $65K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ameriserv Financial Bank lend?
Ameriserv Financial Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and West Virginia.
Can I apply to Ameriserv Financial Bank directly?
Yes. Ameriserv Financial Bank is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ameriserv Financial Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ameriserv Financial Bank treats applications, then get a rate quote from the lender.