Ameriserv Financial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Ameriserv Financial Bank 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ameriserv Financial Bank 216 Franklin St Johnstown, PA 15901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 582 |
| Total Mortgage Loan Application Amount | $96,450,000 |
| Average Mortgage Loan Application Amount | $179,200 |
| Highest Mortgage Loan Application Amount | $4,965,000 |
| Average Applicant Income | $116,600 |
| Highest Applicant Income | $794,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Ameriserv Financial Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ameriserv Financial Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Ameriserv Financial Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ameriserv Financial Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Ameriserv Financial Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ameriserv Financial Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cambria County Pennsylvania | 144 | $ 13,120,000 | $ 91,000 | $ 93,000 |
| Allegheny County Pennsylvania | 59 | $ 23,375,000 | $ 396,000 | $ 131,000 |
| Somerset County Pennsylvania | 55 | $ 4,245,000 | $ 77,000 | $ 65,000 |
| Centre County Pennsylvania | 49 | $ 12,235,000 | $ 249,000 | $ 140,000 |
| Montgomery County Pennsylvania | 29 | $ 3,495,000 | $ 120,000 | $ 152,000 |
| Westmoreland County Pennsylvania | 22 | $ 1,730,000 | $ 78,000 | $ 120,000 |
| Chester County Pennsylvania | 17 | $ 1,735,000 | $ 102,000 | $ 138,000 |
| Blair County Pennsylvania | 16 | $ 2,660,000 | $ 166,000 | $ 102,000 |
| Bucks County Pennsylvania | 16 | $ 2,100,000 | $ 131,000 | $ 152,000 |
| Delaware County Pennsylvania | 16 | $ 2,110,000 | $ 131,000 | $ 184,000 |
| Indiana County Pennsylvania | 12 | $ 1,070,000 | $ 89,000 | $ 65,000 |
| Lancaster County Pennsylvania | 12 | $ 1,520,000 | $ 126,000 | $ 141,000 |
| Northampton County Pennsylvania | 11 | $ 1,255,000 | $ 114,000 | $ 126,000 |
| Washington County Maryland | 10 | $ 1,270,000 | $ 127,000 | $ 121,000 |
| Clearfield County Pennsylvania | 10 | $ 1,190,000 | $ 119,000 | $ 163,000 |
| Berks County Pennsylvania | 8 | $ 840,000 | $ 105,000 | $ 127,000 |
| Washington County Pennsylvania | 8 | $ 1,100,000 | $ 137,000 | $ 95,000 |
| Erie County Pennsylvania | 6 | $ 1,840,000 | $ 306,000 | $ 114,000 |
| Philadelphia County Pennsylvania | 6 | $ 2,690,000 | $ 448,000 | $ 116,000 |
| Cumberland County Pennsylvania | 5 | $ 385,000 | $ 77,000 | $ 274,000 |
| Luzerne County Pennsylvania | 5 | $ 365,000 | $ 73,000 | $ 109,000 |
| Lycoming County Pennsylvania | 5 | $ 1,085,000 | $ 217,000 | $ 189,000 |
| Lehigh County Pennsylvania | 4 | $ 520,000 | $ 130,000 | $ 110,000 |
| Monroe County Pennsylvania | 4 | $ 200,000 | $ 50,000 | $ 113,000 |
| Frederick County Maryland | 3 | $ 1,585,000 | $ 528,000 | $ 79,000 |
| Beaver County Pennsylvania | 3 | $ 365,000 | $ 121,000 | $ 163,000 |
| Bedford County Pennsylvania | 3 | $ 1,015,000 | $ 338,000 | $ 0 |
| Butler County Pennsylvania | 3 | $ 165,000 | $ 55,000 | $ 111,000 |
| Huntingdon County Pennsylvania | 3 | $ 765,000 | $ 255,000 | $ 159,000 |
| Broward County Florida | 2 | $ 2,510,000 | $ 1,255,000 | $ 613,000 |
| Montgomery County Maryland | 2 | $ 1,170,000 | $ 585,000 | $ 227,000 |
| Crawford County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 129,000 |
| Dauphin County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 112,000 |
| Fayette County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 126,000 |
| Lackawanna County Pennsylvania | 2 | $ 380,000 | $ 190,000 | $ 81,000 |
| Mercer County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Pike County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 98,000 |
| Union County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 55,000 |
| York County Pennsylvania | 2 | $ 340,000 | $ 170,000 | $ 97,000 |
| Collier County Florida | 1 | $ 25,000 | $ 25,000 | $ 117,000 |
| St. Johns County Florida | 1 | $ 305,000 | $ 305,000 | $ 387,000 |
| Currituck County North Carolina | 1 | $ 2,855,000 | $ 2,855,000 | $ 0 |
| Bradford County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 146,000 |
| Carbon County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 138,000 |
| Clarion County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 151,000 |
| Clinton County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Elk County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 278,000 |
| Greene County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Lawrence County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 157,000 |
| Northumberland County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 153,000 |
| Schuylkill County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 153,000 |
| Snyder County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Susquehanna County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 133,000 |
| Venango County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 196,000 |
| Northumberland County Virginia | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Berkeley County West Virginia | 1 | $ 255,000 | $ 255,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Ameriserv Financial Bank in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 209 | $16,035,000 | $76,000 | $445,000 | $119,000 | $776,000 |
| Home Purchase | 146 | $40,630,000 | $278,000 | $2,005,000 | $130,000 | $609,000 |
| Refinancing | 135 | $31,545,000 | $233,000 | $4,965,000 | $106,000 | $429,000 |
| Other Purpose | 86 | $6,860,000 | $79,000 | $505,000 | $131,000 | $794,000 |
| Cash-out Refinancing | 6 | $1,380,000 | $230,000 | $305,000 | $97,000 | $138,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 479 | $57,375,000 | $119,000 | $2,005,000 | $119,000 | $794,000 |
| Not applicable | 49 | $31,995,000 | $652,000 | $4,965,000 | $0 | $0 |
| Not Provided | 45 | $5,495,000 | $122,000 | $765,000 | $128,000 | $290,000 |
| Hispanic | 4 | $290,000 | $72,000 | $155,000 | $119,000 | $127,000 |
| Asian | 2 | $550,000 | $275,000 | $495,000 | $151,000 | $153,000 |
| Black or African American | 2 | $130,000 | $65,000 | $85,000 | $74,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 578 | $95,730,000 | $165,000 | $4,965,000 | $121,000 | $794,000 |
| FHA-insured (Federal Housing Administration) | 4 | $720,000 | $180,000 | $415,000 | $94,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 435 | $76,975,000 | $176,000 | $4,965,000 | $131,000 | $794,000 |
| Application Denied By Financial Institution | 97 | $8,685,000 | $89,000 | $565,000 | $83,000 | $776,000 |
| Application Withdrawn By Applicant | 33 | $7,415,000 | $224,000 | $1,505,000 | $112,000 | $520,000 |
| Application Approved But Not Accepted | 16 | $3,190,000 | $199,000 | $585,000 | $113,000 | $617,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $70,000 | $70,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 452 | $46,500,000 | $102,000 | $2,005,000 | $120,000 | $794,000 |
| Not applicable | 123 | $48,335,000 | $392,000 | $4,965,000 | $126,000 | $520,000 |
| Credit History | 4 | $720,000 | $180,000 | $355,000 | $0 | $0 |
| Other | 2 | $650,000 | $325,000 | $565,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ameriserv Financial Bank's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ameriserv Financial Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.