Mortgage lending in Somerset County, Pennsylvania
Lenders in Somerset County, Pennsylvania reported 2,282 mortgage applications for 2025, according to the CFPB.
2,282 mortgage applications and 1,393 loans originated in 2025; the denial rate was 23.6% of 1,901 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Somerset County, PA.
- 2,282
- Applications
- 1,393
- Loans originated
- 23.6%
- Denial rate
- 449 denied of 1,901 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,282 | 1,393 |
| 2024 | 2,091 | 1,259 |
| 2023 | 1,873 | 1,201 |
| 2022 | 2,482 | 1,568 |
| 2021 | 3,114 | 2,019 |
| 2020 | 3,102 | 2,007 |
| 2019 | 2,471 | 1,549 |
| 2018 | 2,407 | 1,537 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Somerset Trust Company | 321 | 393 |
| First National Bank of PA | 171 | 362 |
| First Commonwealth Bank | 149 | 239 |
| Rocket Mortgage | 70 | 109 |
| Primelending | 66 | 80 |
| First Peoples Cfcu | 47 | 66 |
| 1ST Summit Bank | 37 | 62 |
| PNC Bank N.A. | 34 | 50 |
| Pennsylvania State Employees Credit Union | 32 | 52 |
| Mortgage Research Center | 28 | 51 |
| Ameriserv Financial Bank | 26 | 43 |
| United Wholesale Mortgage | 25 | 39 |
| Slovenian Savings & Loan Association of Franklin-Conemaugh | 21 | 26 |
| InFirst Bank | 13 | 14 |
| Ussco Federal Credit Union | 12 | 17 |
| Pennymac Loan Services LLC | 12 | 25 |
| Navy Federal Credit Union | 11 | 22 |
| Homestead Funding Corp. | 11 | 12 |
| New American Funding, LLC. | 10 | 22 |
| Horizon Farm Credit, ACA | 10 | 10 |
| Citizens Bank, NA | 10 | 16 |
| Dollar Bank, FSB | 9 | 12 |
| Triad Financial Services, Inc. | 8 | 15 |
| Movement Mortgage, LLC | 7 | 9 |
| Affordable Mortgage Advisors | 7 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,028 | 23.4% of 1,711 decided |
| Joint | 16 | no rate: base under 50 |
| Race Not Available | 220 | 26.5% of 166 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 12 | no rate: base under 50 |
| Not Hispanic or Latino | 1,993 | 23.1% of 1,682 decided |
| Joint | 15 | no rate: base under 50 |
| Ethnicity Not Available | 262 | 27.8% of 198 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 765 | 25.1% of 638 decided |
| Female | 430 | 30.2% of 361 decided |
| Joint | 933 | 19.1% of 786 decided |
| Sex Not Available | 154 | 25.9% of 116 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2727 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved