Lender in Pennsylvania · HMDA 2025
Somerset Trust Company mortgages in Pennsylvania
Somerset Trust Company's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Somerset Trust Company originated 360 owner-occupied single-family loans in Pennsylvania from 399 completed applications.
Its median conventional purchase loan costs were $3,950 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.125% (Pennsylvania: 6.625%).
Loans in PA
360
of 399 applications
Denial rate
5.5%
Purchase · PA 6.7%
Rate spread
−0.26 pts
Conv. · PA +0.17 pts
Loan amount
$185,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 255 | 236 | 5.5% | 6.125% | −0.26 pts | $3,950 | $185,000 |
| Refinance | 144 | 124 | 12.5% | — | −0.01 pts | $0 | $85,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Somerset Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Somerset County | 1 | 109 | 17.1% |
| Fayette County | 4 | 74 | 7.2% |
| Bedford County | 4 | 21 | 5.0% |
| Westmoreland County | 9 | 107 | 2.7% |
| Cambria County | 10 | 26 | 2.3% |
| Indiana County | 21 | 6 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology