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: Lewistown, Harrisburg, State College, Dubois, and York among others. We have data for 16 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 an average pick rate when compared to similar lenders.
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Originations
191Origination Dollar Volume (All Markets)
$23,475,000Top Markets
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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 |
|---|---|---|---|---|---|
| Lewistown, PA (FHA|USDA|VA) | 60 | $6,460,000 | $107,667 | $0 | 0.00% |
| Outside of Metro Areas | 61 | $5,295,000 | $86,803 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 26 | $4,860,000 | $186,923 | $0 | 0.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 8 | $1,340,000 | $167,500 | $0 | 0.00% |
| DuBois, PA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $0 | 0.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 0.00% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $0 | 0.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 8 | $520,000 | $65,000 | $0 | 0.00% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| Bradford, PA (FHA|USDA|VA) | 9 | $485,000 | $53,889 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $0 | 0.00% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Selinsgrove, PA (FHA|USDA|VA) | 5 | $295,000 | $59,000 | $0 | 0.00% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 191 | $23,475,000 | $122,906 | $0 | 0.00% |
For 2024, The Juniata Valley Bank's most frequently originated type of loan was Conventional, with 191 originations.
Loan Reason
For 2024, The Juniata Valley Bank's most frequently cited loan purpose was Home Purchase, with 88 originations. The 2nd most popular reason was Home Improvement, with 43 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 191 | $23,475,000 | $122,906 | $0 | 0.00% |
For 2024, The Juniata Valley Bank's most frequently cited loan duration was Other, with 191 originations.
Loan Sizing
2024 saw The Juniata Valley Bank place emphasis on $100,000 or less loans with 111 originations, totaling $5,145,000 in origination value.
Applicant Income
The Juniata Valley Bank lent most frequently to those with incomes in the $100k-150k range, with 42 originations. The second most popular income band? $50k-75k, with 38 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 191 | $23,475,000 | $122,906 | $0 | 0.00% |
The Juniata Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 191 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 181 | $21,845,000 | $120,691 | $0 | 0.00% |
| Not applicable | 10 | $1,630,000 | $163,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications79.39%
The Juniata Valley Bank has a below average approval rate.
Pick Rate
Approvals leading to origination91.10%
The Juniata Valley Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 191 | $23,475,000 | $122,906 |