The Juniata Valley Bank Mortgage Rates, Fees & Info
Mifflintown, PALEI: 549300R20AB76CQEH402
Tax ID: 23-0741266
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Mortgage Data
Review & Overview
The Juniata Valley Bank is a smaller bank specializing in Home Purchase loans. The Juniata Valley Bank has a high proportion of conventional loans. Their top markets by origination volume include: Harrisburg, Lewistown, State College, Chambersburg, and Bloomsburg among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)The Juniata Valley Bank 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
263Origination Dollar Volume (All Markets)
$29,965,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 77 | $7,595,000 | $98,636 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 49 | $7,225,000 | $147,449 | $0 | 0.00% |
| Lewistown, PA (FHA|USDA|VA) | 85 | $6,695,000 | $78,765 | $0 | 0.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 13 | $3,155,000 | $242,692 | $0 | 0.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 14 | $1,220,000 | $87,143 | $0 | 0.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 0.00% |
| Bradford, PA (FHA|USDA|VA) | 8 | $650,000 | $81,250 | $0 | 0.00% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| Huntingdon, PA (FHA|USDA|VA) | 5 | $345,000 | $69,000 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 0.00% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 0.00% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 0.00% |
| Selinsgrove, PA (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $0 | 0.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 263 | $29,965,000 | $113,935 | $0 | 0.00% |
For 2023, The Juniata Valley Bank's most frequently originated type of loan was Conventional, with 263 originations.
Loan Reason
For 2023, The Juniata Valley Bank's most frequently cited loan purpose was Home Purchase, with 101 originations. The 2nd most popular reason was Home Improvement, with 68 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 263 | $29,965,000 | $113,935 | $0 | 0.00% |
For 2023, The Juniata Valley Bank's most frequently cited loan duration was Other, with 263 originations.
Loan Sizing
2023 saw The Juniata Valley Bank place emphasis on $100,000 or less loans with 157 originations, totaling $7,035,000 in origination value.
Applicant Income
The Juniata Valley Bank lent most frequently to those with incomes in the $50k-75k range, with 70 originations. The second most popular income band? $50k or less, with 58 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 263 | $29,965,000 | $113,935 | $0 | 0.00% |
The Juniata Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 263 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 257 | $28,805,000 | $112,082 | $0 | 0.00% |
| Not applicable | 6 | $1,160,000 | $193,333 | $0 | 0.00% |
Approval Rates
Total approvals of all applications82.50%
The Juniata Valley Bank has a below average approval rate.
Pick Rate
Approvals leading to origination87.07%
The Juniata Valley Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 263 | $29,965,000 | $113,935 |