Jonestown Bank And Trust Company Of Jonestown Pennsylvania Mortgage Rates, Fees & Info

Jonestown, PA

LEI: 549300P7T76AWIP6QL35

Tax ID: 23-0739565

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Mortgage Data

Review & Overview

Jonestown Bank And Trust Company Of Jonestown Pennsylvania is a smaller bank specializing in Home Purchase loans. Jonestown Bank And Trust Company Of Jonestown Pennsylvania has a high proportion of conventional loans. Their top markets by origination volume include: Lebanon, Lancaster, Harrisburg, Reading, and York among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

Jonestown Bank And Trust Company Of Jonestown Pennsylvania has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

210

Origination Dollar Volume (All Markets)

$27,900,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
LEBANON, PA (FHA|USDA|VA) 135 $18,155,000 $134,481 $0 0.00%
LANCASTER, PA (FHA|USDA|VA) 24 $2,740,000 $114,167 $0 0.00%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 19 $2,515,000 $132,368 $0 0.00%
READING, PA (FHA|USDA|VA) 17 $2,265,000 $133,235 $0 0.00%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $735,000 $147,000 $0 0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $425,000 $141,667 $0 0.00%
Pottsville, PA (FHA|USDA|VA) 4 $410,000 $102,500 $0 0.00%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
GETTYSBURG, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
Jonestown Bank And Trust Company Of Jonestown Pennsylvania's top markets include Lebanon, Lancaster, Harrisburg, Reading, and York among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 210 $27,900,000 $132,857 $0 0.00%

    For 2023, Jonestown Bank And Trust Company Of Jonestown Pennsylvania's most frequently originated type of loan was Conventional, with 210 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 67 $13,605,000 $203,060 $0 0.00%
    Home Improvement 48 $4,040,000 $84,167 $0 0.00%
    Other 35 $2,645,000 $75,571 $0 0.00%
    Refi 32 $3,650,000 $114,063 $0 0.00%
    Cash Out Refi 28 $3,960,000 $141,429 $0 0.00%

    For 2023, Jonestown Bank And Trust Company Of Jonestown Pennsylvania's most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Home Improvement, with 48 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 210 $27,900,000 $132,857 $0 0.00%

    For 2023, Jonestown Bank And Trust Company Of Jonestown Pennsylvania's most frequently cited loan duration was Other, with 210 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 106 $5,820,000 $54,906 $0 0.00%
    $100k-200k 61 $8,215,000 $134,672 $0 0.00%
    $200k-400k 36 $9,830,000 $273,056 $0 0.00%
    $400k-600k 5 $2,315,000 $463,000 $0 0.00%
    $1MM+ 1 $1,005,000 $1,005,000 $0 0.00%
    $600k-1MM 1 $715,000 $715,000 $0 0.00%

    2023 saw Jonestown Bank And Trust Company Of Jonestown Pennsylvania place emphasis on $100,000 or less loans with 106 originations, totaling $5,820,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 46 $5,480,000 $119,130 $0 0.00%
    $100k-150k 39 $4,265,000 $109,359 $0 0.00%
    $50k-75k 37 $3,565,000 $96,351 $0 0.00%
    $150k-250k 32 $4,790,000 $149,688 $0 0.00%
    $50k or less 21 $1,665,000 $79,286 $0 0.00%
    $250k+ 8 $3,110,000 $388,750 $0 0.00%

    Jonestown Bank And Trust Company Of Jonestown Pennsylvania lent most frequently to those with incomes in the $75k-100k range, with 46 originations. The second most popular income band? $100k-150k, with 39 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 210 $27,900,000 $132,857 $0 0.00%

    Jonestown Bank And Trust Company Of Jonestown Pennsylvania lent most frequently to those with DTI ratios of Exempt%, with 210 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 180 $22,460,000 $124,778 $0 0.00%
    Not applicable 22 $4,480,000 $203,636 $0 0.00%
    Black 6 $710,000 $118,333 $0 0.00%
    Asian 1 $205,000 $205,000 $0 0.00%
    Not provided 1 $45,000 $45,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    86.13%

    Jonestown Bank And Trust Company Of Jonestown Pennsylvania has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.05%

    Jonestown Bank And Trust Company Of Jonestown Pennsylvania has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 210 $27,900,000 $132,857

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    210 $27,900,000 $132,857