Applications / Mortgage Analytics / Lenders / Pennsylvania / 1st Summit Bank
Johnstown, PA · State non-member bank · FDIC · $1.5 billion assets · 332 loans in 2025
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332
loans originated, 2025
469
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st Summit Bank is the third-biggest mortgage lender in Johnstown, and its share there rose to 8.3% in 2025.
In Johnstown, a market it has served since at least 1990, it ranks 3 of 143 lenders, up 1.6 points. Only First Commonwealth Bank and First National Bank of Pennsylvania lend more. In Pittsburgh it ranks 66 of 571. In Altoona its share fell from 0.8% to 0.3%, a change a handful of loans can make in a small market.
Its typical loan, $105,000, was smaller than at about nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $180,000. Home purchases made up 50.3% of its loans. Home improvement and other purposes took almost a quarter between them, a mix that may bring the typical size down.
Its loans rose 9%, in step with similar lenders. It also bought 72 loans from other lenders in 2025, after none in 2024; most similar lenders bought none. Its typical rate, 6.49%, was lower than at most of them.
Borrowers with low or moderate incomes (LMI) took 34.0% of its loans, against 27.9% at similar lenders. LMI neighborhoods took 12.7% and majority-minority areas 0.9%, both lower than at similar lenders. That may reflect its markets, mostly Johnstown, Pittsburgh and non-metro Pennsylvania.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st Summit Bank took 469 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.3% · Refinance 26.5% · Home improvement 11.7% · Other 11.4%
Conventional 100.0% · of 332 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 323 | 97.3% |
| Maryland | 3 | 0.9% |
| Florida | 2 | 0.6% |
| Ohio | 2 | 0.6% |
| Montana | 1 | 0.3% |
| Rhode Island | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnstown | 167 |
| Pittsburgh | 67 |
| Altoona | 11 |
| Dayton-Kettering-Beavercreek | 1 |
| Erie | 1 |
| Great Falls | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Providence-Warwick | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009HFRW3TN5NRR78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 526519 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38426 | 1990–2017 |
Established 1 January 1924. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: 1st Summit Bank's data.
1st Summit Bank's data
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1st Summit Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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