Refinance lenders in Cambria County, Pennsylvania
Fat Boy Data analyzed mortgage refinance activity in Cambria County, Pennsylvania, home to Johnstown, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,391 applications were decided by 69 lenders between 2023 and 2025.
Cambria County at a glance
How Cambria County compares
What the data shows
First Commonwealth Bank made the most mortgage refinances in Cambria County, PA, 179 of them.
CNB Bank approved the highest share of applications among lenders with at least 20 decisions here, 91% of 23.
Lenders approved 69.6% of mortgage refinance applications in Cambria County, PA, 6.2 percentage points below the Pennsylvania rate of 75.8%.
The typical mortgage refinance here is $75K, 35% smaller than the Pennsylvania typical of $115K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Refinance lenders in Cambria County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | First Commonwealth Bank | 64% | 190 / 295 | 94% | $75K | 179 |
| 2 | First National Bank of Pennsylvania | 62% | 160 / 260 | 96% | $55K | 154 |
| 3 | 1st Summit Bank | 76% | 118 / 156 | 100% | $55K | 118 |
| 4 | Ameriserv Financial Bank | 72% | 81 / 113 | 99% | $75K | 80 |
| 5 | S&T Bank | 73% | 82 / 113 | 94% | $75K | 77 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 64 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest mortgage refinance lenders in Cambria County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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