Applications / Mortgage Analytics / Lenders / Pennsylvania / Ameriserv Financial Bank
Johnstown, PA · State member bank · FRS · $1.4 billion assets · 286 loans in 2025
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286
loans originated, 2025
418
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ameriserv Financial Bank, a Pennsylvania bank that makes small loans for refinancing and home improvement, ranks 7 of 143 lenders in Johnstown, PA, where it has lent since at least 1990.
It made 286 loans in 2025, down 34% from 434. Similar lenders (state member banks making between half and twice as many loans) grew 7%, and nearly all of them grew faster. Weaker demand for the refinance and home-improvement loans that make up much of its lending, or its own choice of which loans to make, could be reasons.
Its typical loan, $105,000, was smaller than at nearly all similar lenders, whose typical loan was $195,000. Its mix may explain much of that. Refinancing made up 35.7% of its loans and home improvement 28.7%; purchases were only 21.7%.
Its share of Johnstown lending fell 1.3 points to 3.9%. First Commonwealth Bank and First National Bank of Pennsylvania lead that market. The fall in its own lending is a possible reason.
Low- and moderate-income borrowers took 28.9% of its loans, near the middle of similar lenders, where the typical share was 27.5%. In 2020 the share was 15.0%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ameriserv Financial Bank took 418 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 35.7% · Home improvement 28.7% · Purchase 21.7% · Other 14.0%
Conventional 99.3% · FHA 0.7% · of 286 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 275 | 96.2% |
| Maryland | 8 | 2.8% |
| Florida | 3 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnstown | 89 |
| Pittsburgh | 44 |
| Montgomery County-Bucks County-Chester County | 27 |
| State College | 17 |
| Philadelphia | 11 |
| Allentown-Bethlehem-Easton | 5 |
| Altoona | 5 |
| Lancaster | 5 |
| Erie | 4 |
| Hagerstown-Martinsburg | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930089UXPZ6O3RHG71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 928618 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2928618 | 1998–2017 |
Established 23 September 1933. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Ameriserv Financial Bank's data.
Ameriserv Financial Bank's data
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