Summit Credit Union received 15,647 applications in 2025 and made
11,414 mortgages, in 140 counties across 13 states.
The median rate its borrowers got was 5.625% on a median loan of $105,000.
Of 14,490 decisions, 2,171 were denials — 15.0%, most often for debt-to-income ratio.
38 of its applications carried no county and are counted here but on no county page.
Legal Entity Identifier
254900NTAC4H10MGSU23
Applications received
15,647
Mortgages made
11,414
Denied
2,171
Approved, not taken up
905
Withdrawn or incomplete
1,157
Loans bought from other lenders
0
Median rate spread over the prime offer rate
-0.512 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
2,987
6.375%
$265,000
6.1%
Refinancing
3,389
6.375%
$105,000
13.2%
Cash-out refinancing
912
6.750%
$165,000
17.2%
Other purposes
4,126
0.000%
$55,000
21.0%
Where Summit Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When Summit Credit Union’s figures are published for the next year, or restated.
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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.