1st Summit Bank in Pennsylvania vs the state
18.0%Denial rate-0.27 pts vs state
20.2%Decision denial rate-2.01 pts vs state
71.0%Origination rate+10.03 pts vs state
6.49%Median rate-0.13 pts vs state
0.19Rate spread (pts)-0.05 pts vs state
$83kMedian applicant income
323Loans originated
82Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 575 | 430 | 17.2% | 6.24% | #123 |
| 2024 | 438 | 303 | 20.1% | 6.99% | #160 |
| 2025 | 455 | 323 | 18.0% | 6.49% | #167 |
What 1st Summit Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most 1st Summit Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cambria County | 234 | 167 | 45 | 19.2% |
| Somerset County | 62 | 37 | 18 | 29.0% |
| Indiana County | 40 | 32 | 5 | 12.5% |
| Westmoreland County | 34 | 28 | 3 | 8.8% |
| Allegheny County | 33 | 22 | 4 | 12.1% |
| Blair County | 18 | 11 | 2 | 11.1% |
| Fayette County | 8 | 7 | 1 | 12.5% |
| Butler County | 8 | 7 | 1 | 12.5% |
| Bedford County | 4 | 2 | 2 | 50.0% |
| Elk County | 3 | 2 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 455 applications in 2025, of which 323 were originated and 82 denied.
18.0% of all applications, or 20.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans 1st Summit Bank originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are 1st Summit Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology