Summit Funding in Pennsylvania vs the state
4.5%Denial rate-13.81 pts vs state
6.7%Decision denial rate-15.54 pts vs state
61.2%Origination rate+0.23 pts vs state
6.93%Median rate+0.31 pts vs state
0.54Rate spread (pts)+0.30 pts vs state
$115kMedian applicant income
41Loans originated
3Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 14 | 9.1% | 6.63% | #590 |
| 2024 | 11 | 7 | 18.2% | 7.25% | #687 |
| 2025 | 67 | 41 | 4.5% | 6.93% | #440 |
What Summit Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Summit Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 16 | 10 | 0 | 0.0% |
| Northampton County | 14 | 10 | 0 | 0.0% |
| Lehigh County | 11 | 7 | 1 | 9.1% |
| Berks County | 4 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
| Pike County | 3 | 1 | 1 | 33.3% |
| Allegheny County | 3 | 2 | 0 | 0.0% |
| Centre County | 3 | 1 | 0 | 0.0% |
| Chester County | 2 | 1 | 0 | 0.0% |
| Clarion County | 2 | 1 | 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: 67 applications in 2025, of which 41 were originated and 3 denied.
4.5% of all applications, or 6.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Summit Funding originated in Pennsylvania in 2025 was 6.93%, against a statewide median of 6.63%.
About this data. Figures are Summit Funding'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