Mortgage Lenders and Brokers in Somerset, Pennsylvania
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Somerset, Pennsylvania mortgage lenders include Somerset Trust CompanySomerset Trust Company1614 N Center Ave, Somerset, PA 15501A5.0 ★Texas Ratio: 12.17%, First National Bank of PAFirst National Bank of PA509 E Main St, Somerset, PA 15501A+5.0 ★Texas Ratio: 1.62%, First Commonwealth BankFirst Commonwealth Bank2040 N Center Ave, Somerset, PA 15501A5.0 ★Texas Ratio: 10.25%, 1St Summit Bank1St Summit Bank404 N Center Ave, Somerset, PA 15501A+5.0 ★Texas Ratio: 3.83%, Ameriserv Financial BankAmeriserv Financial Bank108 W Main St, Somerset, PA 15501A+5.0 ★Texas Ratio: 5.69%, PNC Bank N.A.PNC Bank N.A.108 E Main St, Somerset, PA 15501A+5.0 ★Texas Ratio: 4.24%, Northwest BankNorthwest Bank413 S Logan Blvd, Altoona, PA 16602A+5.0 ★Texas Ratio: 3.99%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA990 Old York Rd, Abington, PA 19001A+5.0 ★Texas Ratio: 3.68%, C-B-W Schools Federal Credit UnionC-B-W Schools Federal Credit Union194 Donald Ln Ste 4, Johnstown, PA 15904 2840A+5.0 ★Texas Ratio: 0.23%, and Ussco Federal Credit UnionUssco Federal Credit Union2613 Ligonier St, Latrobe, PA 15650A+5.0 ★Texas Ratio: 1.56%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Somerset, Pennsylvania in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Somerset are listed first, then lenders elsewhere in Pennsylvania, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Somerset, Pennsylvania
Market share is the lender's share of all home loans closed in Somerset, Pennsylvania. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
4 offices in Somerset 1614 N Center Ave, Somerset, PA 15501 A5.0 ★Texas Ratio: 12.17% |
Conventional | 26 | 29.9% | 87.5% | $86,538 | View |
|
1 office in Somerset 509 E Main St, Somerset, PA 15501 A+5.0 ★Texas Ratio: 1.62% |
Conventional, FHA, USDA, HELOC | 8 +6 HELOCs |
9.2% | 100% | $143,750 | View |
|
1 office in Somerset 2040 N Center Ave, Somerset, PA 15501 A5.0 ★Texas Ratio: 10.25% |
Conventional, HELOC | 3 +2 HELOCs |
3.4% | 75% | $141,666 | View |
|
1 office in Somerset 404 N Center Ave, Somerset, PA 15501 A+5.0 ★Texas Ratio: 3.83% |
Conventional | 2 | 2.3% | 66.7% | $60,000 | View |
|
1 office in Somerset 108 W Main St, Somerset, PA 15501 A+5.0 ★Texas Ratio: 5.69% |
Conventional | 1 | 1.1% | 100% | $55,000 | View |
|
★ 1.7 stars, 3 reviews 1 office in Somerset 108 E Main St, Somerset, PA 15501 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
|
413 S Logan Blvd, Altoona, PA 16602 A+5.0 ★Texas Ratio: 3.99% |
Conventional, FHA | 2 | 2.3% | 100% | $95,000 | View |
|
990 Old York Rd, Abington, PA 19001 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.1% | 100% | $135,000 | View |
|
194 Donald Ln Ste 4, Johnstown, PA 15904 2840 A+5.0 ★Texas Ratio: 0.23% |
Conventional | 1 | 1.1% | 100% | $85,000 | View |
|
2613 Ligonier St, Latrobe, PA 15650 A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 1.1% | 100% | $25,000 | View |
|
907 22nd St, Aliquippa, PA 15001 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
7540 Windsor Drive Suite 203, Allentown, PA 18195 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Affordable Mortgage Advisors
|
Conventional | 1 | 1.1% | 100% | $235,000 | |
West Penn Financial Service Center, Inc.
|
Conventional | 1 | 1.1% | 100% | $175,000 | |
Spring Eq, LLC
|
Conventional | 1 | 1.1% | 100% | $85,000 | |
Rocket Mortgage
|
Conventional, FHA | 6 | 6.9% | 66.7% | $78,333 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 4 | 4.6% | 66.7% | $147,500 | |
|
A+5.0 ★Texas Ratio: 3.02% |
FHA | 3 | 3.4% | 100% | $125,000 | View |
EMM Loans LLC
|
Conventional, FHA | 2 | 2.3% | 100% | $80,000 | |
Primelending
|
Conventional, FHA | 2 | 2.3% | 100% | $165,000 | |
First Peoples Cfcu
|
Conventional | 2 | 2.3% | 66.7% | $220,000 | |
Union Home Mortgage Corp.
|
Conventional, VA | 2 | 2.3% | 100% | $140,000 | |
Mortgage Research Center
|
VA | 2 | 2.3% | 33.3% | $185,000 | |
New American Funding, LLC.
|
FHA | 2 | 2.3% | 100% | $300,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 1.1% | 100% | $175,000 | |
NOVA Financial & Investment Corporation
|
VA | 1 | 1.1% | 100% | $265,000 | |
|
A+5.0 ★Texas Ratio: 0.06% |
FHA | 1 | 1.1% | 100% | $215,000 | View |
Triad Financial Services, Inc.
|
Conventional | 1 | 1.1% | 100% | $105,000 | |
Loanunited.Com, LLC
|
VA | 1 | 1.1% | 100% | $235,000 | |
Homestead Funding Corp.
|
Conventional | 1 | 1.1% | 100% | $95,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.1% | 100% | $175,000 | View |
Nationstar Mortgage
|
FHA | 1 | 1.1% | 50% | $115,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.1% | 100% | $105,000 | |
21St Mortgage
|
Conventional | 1 | 1.1% | 33.3% | $65,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $205,000 | View |
Carrington Mortgage Services LLC
|
Conventional | 1 | 1.1% | 100% | $175,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 1.1% | 100% | $105,000 | |
Plaza Home Mortgage, Inc
|
Conventional | 1 | 1.1% | 100% | $315,000 | |
loanDepot.com LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Somerset Mortgage Rate Trends
Daily average mortgage rates for Pennsylvania compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Somerset, Pennsylvania
Looking for mortgage lenders near me or mortgage brokers near me in Somerset? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Somerset in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Somerset, PA
Use these to narrow the list above. Each category shows how many Somerset, PA lenders fit and what that kind of lender is usually best for.
Who Lends in Somerset, PA
Independent mortgage companies closed 40.2 percent of home loans in Somerset, Pennsylvania in 2025, banks 54 percent and credit unions 5.7 percent. Affordable Mortgage Advisors was the largest mortgage company, Somerset Trust Company the largest bank and C-B-W Schools Federal Credit Union the largest credit union. Among lenders headquartered in Pennsylvania, Somerset Trust Company led with 26 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Pennsylvania. State realty transfer tax of 1 percent plus a local tax that is usually another 1 percent (Philadelphia 3.278 percent local, Pittsburgh 4 percent local), for a typical combined 2 percent customarily split between buyer and seller; no mortgage recording tax.
More Pennsylvania Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Somerset, PA
By home loans closed in 2025, Somerset Trust Company was the largest mortgage lender in Somerset, Pennsylvania with 26 loans, about 29.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
10 lenders closed FHA loans in Somerset, Pennsylvania in 2025, led by First National Bank of PA with 3. 6 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 13 banks and 4 credit unions closed home loans in Somerset, Pennsylvania in 2025, alongside 22 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Somerset, Pennsylvania during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Somerset, Pennsylvania for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Somerset. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
