1st Summit Bank mortgage approval rate & lending review
1st Summit Bank decided 839 mortgage applications and funded 676 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1st Summit Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1st Summit Bank at a glance
Approval is 1.8 points above the 79.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 322 / 379 | 99% | $125K | 318 |
| Home improvement loans | 73% | 98 / 135 | 100% | $25K | 98 |
| Refinance | 75% | 146 / 195 | 99% | $55K | 144 |
| Investment property purchase | 97% | 73 / 75 | 97% | $85K | 71 |
| Investment refinance | 90% | 36 / 40 | 97% | $135K | 35 |
1st Summit Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 82% | $125K | 833 | 671 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 1st Summit Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cambria County, PA | Mortgage lenders | 86% | 271 | 230 |
| Cambria County, PA | Refinance | 76% | 156 | 118 |
| Cambria County, PA | Home improvement loans | 76% | 114 | 87 |
| Westmoreland County, PA | Mortgage lenders | 83% | 65 | 53 |
| Cambria County, PA | Investment property purchase | 97% | 37 | 35 |
| Westmoreland County, PA | Refinance | 75% | 32 | 23 |
The county markets where 1st Summit Bank made the most loans. Each link opens that market with every lender ranked.
Questions about 1st Summit Bank
What is 1st Summit Bank's mortgage approval rate?
1st Summit Bank approved 81.6% of the 839 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.8 points above the 79.9% national rate for the same mix of loan types.
How often do borrowers take the loan 1st Summit Bank offers?
Borrowers accepted 99% of the loans 1st Summit Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 1st Summit Bank make?
The typical home purchase mortgage loan 1st Summit Bank made was $125K; across all loan types its typical loan ran from $25K to $135K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1st Summit Bank lend?
1st Summit Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Pennsylvania, Florida and Arizona.
Can I apply to 1st Summit Bank directly?
Yes. 1st Summit Bank is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 1st Summit Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 1st Summit Bank treats applications, then get a rate quote from the lender.