THE SUMMIT Federal Credit Union
THE SUMMIT Federal Credit Union received 1,676 applications in 2025 and made 942 mortgages, in 27 counties across 2 states. The median rate its borrowers got was 7.250% on a median loan of $65,000. Of 1,444 decisions, 470 were denials — 32.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZSFNMHET4KE860 |
|---|---|
| Applications received | 1,676 |
| Mortgages made | 942 |
| Denied | 470 |
| Approved, not taken up | 32 |
| Withdrawn or incomplete | 232 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.05 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 | 125 | 6.625% | $175,000 | 12.7% |
| Refinancing | 204 | 7.250% | $75,000 | 21.5% |
| Cash-out refinancing | 24 | 6.500% | $140,000 | 22.9% |
| Other purposes | 589 | 7.250% | $55,000 | 38.8% |
Where THE SUMMIT Federal Credit Union lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, NY | 525 | 7.250% | 28.5% |
| Erie County, NY | 151 | 7.250% | 39.3% |
| Onondaga County, NY | 101 | 7.000% | 36.8% |
| Cortland County, NY | 29 | 7.250% | 28.3% |
| Wayne County, NY | 28 | 7.250% | 31.7% |
| Ontario County, NY | 26 | 7.000% | 21.2% |
| Livingston County, NY | 15 | 7.250% | 26.1% |
| Niagara County, NY | 15 | 6.650% | 31.8% |
| Seneca County, NY | 12 | 7.125% | 45.5% |
| Oswego County, NY | 8 | Under 10 loans | 33.3% |
| Cayuga County, NY | 5 | Under 10 loans | 37.5% |
| Genesee County, NY | 5 | Under 10 loans | 58.3% |
| Orleans County, NY | 4 | Under 10 loans | 58.3% |
| Allegany County, NY | 3 | Under 10 loans | 40.0% |
| Madison County, NY | 3 | Under 10 loans | 50.0% |
| Oneida County, NY | 3 | Under 10 loans | 25.0% |
| Jefferson County, NY | 2 | Under 10 loans | 25.0% |
| Wyoming County, NY | 2 | Under 10 loans | 71.4% |
| Albany County, NY | 1 | Under 10 loans | 50.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 0.0% |
| Chenango County, NY | 1 | Under 10 loans | 0.0% |
| Hamilton County, NY | 1 | Under 10 loans | 0.0% |
| Steuben County, NY | 1 | Under 10 loans | 66.7% |
| Jones County, GA | 0 | Under 10 loans | Not published |
| Chautauqua County, NY | 0 | Under 10 loans | 100.0% |
| Tompkins County, NY | 0 | Under 10 loans | 100.0% |
| Yates County, NY | 0 | Under 10 loans | Not published |
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When THE SUMMIT Federal 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.