1st Summit Bank
1st Summit Bank received 468 applications in 2025 and made 332 mortgages, in 48 counties across 9 states. The median rate its borrowers got was 6.490% on a median loan of $105,000. Of 415 decisions, 82 were denials — 19.8%, most often for credit history.
| Legal Entity Identifier | 5493009HFRW3TN5NRR78 |
|---|---|
| Applications received | 468 |
| Mortgages made | 332 |
| Denied | 82 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 53 |
| Loans bought from other lenders | 72 |
| Median rate spread over the prime offer rate | 0.189 points |
| FDIC-insured bank | Yes: 1st Summit Bank, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 167 | 6.490% | $185,000 | 8.2% |
| Refinancing | 88 | 6.490% | $75,000 | 29.6% |
| Other purposes | 77 | 6.490% | $45,000 | 28.0% |
Where 1st Summit Bank lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cambria County, PA | 167 | 6.490% | 21.1% |
| Somerset County, PA | 37 | 6.490% | 32.7% |
| Indiana County, PA | 32 | 6.740% | 13.5% |
| Westmoreland County, PA | 28 | 6.490% | 9.7% |
| Allegheny County, PA | 22 | 6.990% | 15.4% |
| Blair County, PA | 11 | 6.250% | 15.4% |
| Butler County, PA | 7 | Under 10 loans | 12.5% |
| Fayette County, PA | 7 | Under 10 loans | 12.5% |
| Allegany County, MD | 3 | Under 10 loans | 0.0% |
| Bedford County, PA | 2 | Under 10 loans | 50.0% |
| Elk County, PA | 2 | Under 10 loans | 0.0% |
| Washington County, PA | 2 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Cascade County, MT | 1 | Under 10 loans | 0.0% |
| Mahoning County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Beaver County, PA | 1 | Under 10 loans | 0.0% |
| Clearfield County, PA | 1 | Under 10 loans | 0.0% |
| Erie County, PA | 1 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 1 | Under 10 loans | 0.0% |
| Jefferson County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Providence County, RI | 1 | Under 10 loans | 0.0% |
| Currituck County, NC | 0 | Under 10 loans | Not published |
| Ashland County, OH | 0 | Under 10 loans | Not published |
| Cuyahoga County, OH | 0 | Under 10 loans | Not published |
| Delaware County, OH | 0 | Under 10 loans | Not published |
| Erie County, OH | 0 | Under 10 loans | Not published |
| Fairfield County, OH | 0 | Under 10 loans | Not published |
| Franklin County, OH | 0 | Under 10 loans | Not published |
| Geauga County, OH | 0 | Under 10 loans | Not published |
| Huron County, OH | 0 | Under 10 loans | Not published |
| Knox County, OH | 0 | Under 10 loans | Not published |
| Lake County, OH | 0 | Under 10 loans | Not published |
| Licking County, OH | 0 | Under 10 loans | Not published |
| Lorain County, OH | 0 | Under 10 loans | Not published |
| Lucas County, OH | 0 | Under 10 loans | Not published |
| Medina County, OH | 0 | Under 10 loans | Not published |
| Pickaway County, OH | 0 | Under 10 loans | Not published |
| Portage County, OH | 0 | Under 10 loans | Not published |
| Stark County, OH | 0 | Under 10 loans | Not published |
| Summit County, OH | 0 | Under 10 loans | Not published |
| Warren County, OH | 0 | Under 10 loans | Not published |
| Wayne County, OH | 0 | Under 10 loans | Not published |
| Lawrence County, PA | 0 | Under 10 loans | 100.0% |
| Horry County, SC | 0 | Under 10 loans | Not published |
| Gloucester County, VA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.