The Juniata Valley Bank Mortgage Rates, Fees & Info

Mifflintown, PA

LEI: 549300R20AB76CQEH402

Tax ID: 23-0741266

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The Juniata Valley Bank is a smaller bank specializing in Refi and 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, Huntingdon, and Selinsgrove among others. We have data for 14 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. The Juniata Valley Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

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    Originations

    308

    Origination Dollar Volume (All Markets)

    $26,050,000

    Employee count

    152

    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
    Outside of Metro Areas 102 $7,850,000 $76,961 $2,034 4.87%
    Lewistown, PA (FHA|USDA|VA) 102 $6,540,000 $64,118 $1,731 4.80%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 49 $4,575,000 $93,367 $3,629 4.83%
    STATE COLLEGE, PA (FHA|USDA|VA) 14 $2,500,000 $178,571 $2,176 4.99%
    Huntingdon, PA (FHA|USDA|VA) 5 $1,535,000 $307,000 $3,246 5.09%
    Selinsgrove, PA (FHA|USDA|VA) 10 $720,000 $72,000 $2,091 4.76%
    DuBois, PA (FHA|USDA|VA) 3 $675,000 $225,000 $1,559 4.83%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 6 $530,000 $88,333 $2,358 5.39%
    Bradford, PA (FHA|USDA|VA) 9 $495,000 $55,000 $906 4.54%
    YORK-HANOVER, PA (FHA|USDA|VA) 3 $305,000 $101,667 $2,713 4.20%
    LEBANON, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.35%
    Sunbury, PA (FHA|USDA|VA) 2 $110,000 $55,000 $1,863 5.25%
    Lock Haven, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.50%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.50%
    The Juniata Valley Bank's top markets include Lewistown, Harrisburg, State College, Huntingdon, and Selinsgrove among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 235 $22,375,000 $95,213 $2,203 4.77%
    HELOC 73 $3,675,000 $50,342 n/a 5.09%

    For 2018, The Juniata Valley Bank's most frequently originated type of loan was Conventional, with 235 originations. Their 2nd most popular type was HELOC, with 73 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 119 $9,595,000 $80,630 $1,896 4.78%
    Home Purchase 79 $10,915,000 $138,165 $3,283 5.11%
    Home Improvement 58 $2,680,000 $46,207 $1,277 4.83%
    Other 49 $2,065,000 $42,143 $1,529 4.61%
    Cash Out Refi 3 $795,000 $265,000 $5,358 5.17%

    For 2018, The Juniata Valley Bank's most frequently cited loan purpose was Refi, with 119 originations. The 2nd most popular reason was Home Purchase, with 79 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 88 $4,450,000 $50,568 $1,647 4.75%
    15 Year 73 $8,045,000 $110,205 $2,191 5.14%
    Other 65 $8,225,000 $126,538 $2,573 4.95%
    20 Year 52 $3,540,000 $68,077 $2,916 4.95%
    5 Year 24 $620,000 $25,833 $1,337 3.99%
    30 Year 4 $1,140,000 $285,000 $8,019 4.24%
    3 Year 2 $30,000 $15,000 $53 3.99%

    For 2018, The Juniata Valley Bank's most frequently cited loan duration was 10 Year, with 88 originations. The 2nd most popular length was 15 Year, with 73 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 177 $11,485,000 $64,887
    $1k-2k 6 $1,290,000 $215,000
    $2k-3k 3 $585,000 $195,000
    $3k-4k 3 $855,000 $285,000
    $4k-5k 1 $275,000 $275,000

    The Juniata Valley Bank's average total fees were $8,019, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 177 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 147 $14,575,000 $99,150
    5-6% 73 $6,515,000 $89,247
    3-4% 70 $4,030,000 $57,571
    6-7% 13 $625,000 $48,077
    7-8% 4 $220,000 $55,000
    Over 8% 1 $85,000 $85,000

    During 2018, The Juniata Valley Bank's average interest rate for loans was 4.24%, while their most frequently originated rate bucket for loans was 4-5%, with 147 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 235 $10,545,000 $44,872 $1,532 4.83%
    $100k-200k 45 $5,965,000 $132,556 $3,781 4.94%
    $200k-400k 24 $6,540,000 $272,500 $5,428 4.79%
    $400k-600k 2 $930,000 $465,000 $6,679 4.75%
    $1MM+ 1 $1,085,000 $1,085,000 $0 5.00%
    $600k-1MM 1 $985,000 $985,000 $0 6.00%

    2018 saw The Juniata Valley Bank place emphasis on $100,000 or less loans with 235 originations, totaling $10,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 84 $4,680,000 $55,714 $1,660 4.95%
    $50k-75k 79 $4,075,000 $51,582 $1,536 4.61%
    $75k-100k 59 $4,595,000 $77,881 $2,137 4.98%
    $100k-150k 43 $4,365,000 $101,512 $2,694 4.80%
    $150k-250k 24 $4,020,000 $167,500 $4,815 4.88%
    $250k+ 9 $3,105,000 $345,000 $2,426 5.16%

    The Juniata Valley Bank lent most frequently to those with incomes in the $50k or less range, with 84 originations. The second most popular income band? $50k-75k, with 79 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 87 $5,545,000 $63,736 $2,057 4.76%
    <20% 71 $4,475,000 $63,028 $2,277 4.79%
    30-36% 45 $3,345,000 $74,333 $2,756 4.75%
    41% 9 $535,000 $59,444 $1,746 4.49%
    37% 9 $615,000 $68,333 $1,061 4.90%
    39% 9 $735,000 $81,667 $2,265 4.65%
    36% 8 $900,000 $112,500 $1,930 4.69%
    42% 7 $315,000 $45,000 $2,292 4.73%
    38% 7 $695,000 $99,286 $1,692 4.55%
    >60% 5 $535,000 $107,000 $727 4.49%
    40% 5 $885,000 $177,000 $3,726 4.27%
    43% 3 $425,000 $141,667 $3,068 6.08%
    45% 2 $180,000 $90,000 $2,217 5.19%
    50-60% 2 $80,000 $40,000 $0 5.50%
    44% 1 $45,000 $45,000 $300 3.99%
    48% 1 $345,000 $345,000 $8,209 4.63%
    49% 1 $45,000 $45,000 $300 4.99%

    The Juniata Valley Bank lent most frequently to those with DTI ratios of 20-30%, with 87 originations. The next most common DTI ratio? <20%, with 71 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 279 $24,025,000 $86,111 $2,297 4.85%
    Not provided 24 $1,350,000 $56,250 $839 4.75%
    Not applicable 5 $675,000 $135,000 $0 5.22%

    Approval Rates

    Total approvals of all applications
    78.91%

    The Juniata Valley Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.66%

    The Juniata Valley Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    110.0 1 $65,000 $65,000
    116.0 4 $120,000 $30,000
    132.0 1 $25,000 $25,000
    1392.78 1 $85,000 $85,000
    917.44 1 $45,000 $45,000
    963.09 1 $55,000 $55,000
    NA 299 $25,655,000 $85,803

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $330,000 $165,000
    Single Family (1-4 Units):Manufactured 1 $75,000 $75,000
    Single Family (1-4 Units):Site-Built 305 $25,645,000 $84,082

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 90 $4,530,000 $50,333 $1,649 4.79%
    40-60% 50 $5,660,000 $113,200 $2,305 4.93%
    60-80% 63 $9,135,000 $145,000 $2,931 4.98%
    80-100% 27 $4,265,000 $157,963 $3,435 5.01%
    Over 100% 2 $190,000 $95,000 $0 5.12%
    Under 20% 74 $1,990,000 $26,892 $1,349 4.67%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Juniata Valley Bank 1 East Market Street Lewistown, PA 17044 Full Service B&M $54,472
    The Juniata Valley Bank 1 S Main St Mifflintown, PA 17059 Full Service B&M $27,602
    The Juniata Valley Bank 100 West Water Street Lewistown, PA 17044 Full Service B&M $39,416
    The Juniata Valley Bank 10180 Highway 522 South Lewistown, PA 17044 Full Service B&M $12,999
    The Juniata Valley Bank 104 N. Front St. Liverpool, PA 17045 Full Service B&M $34,527
    The Juniata Valley Bank 118 East 2nd Street Coudersport, PA 16915 Full Service B&M $24,444
    The Juniata Valley Bank 17428 Tuscarora Creek Road Blairs Mills, PA 17213 Full Service B&M $19,454
    The Juniata Valley Bank 20 Prince Street Reedsville, PA 17084 Full Service B&M $28,733
    The Juniata Valley Bank 301 Market Street Port Royal, PA 17082 Full Service B&M $37,088
    The Juniata Valley Bank 30580 Route 35 North Mcalisterville, PA 17049 Full Service B&M $59,252
    The Juniata Valley Bank 320 South Logan Boulevard Burnham, PA 17009 Full Service B&M $43,041
    The Juniata Valley Bank 4 North Market Millerstown, PA 17062 Full Service B&M $40,583
    The Juniata Valley Bank 4068 William Penn Hwy Mifflintown, PA 17059 Full Service B&M $33,153
    The Juniata Valley Bank 52 West Mill Street Port Allegany, PA 16743 Full Service B&M $596
    The Juniata Valley Bank 571 Main Street Richfield, PA 17086 Full Service B&M $26,466
    The Juniata Valley Bank 64 Main Street Port Allegany, PA 16743 Full Service B&M $50,886

    For 2018, The Juniata Valley Bank had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $23,606
    Net interest income $19,971
    Total noninterest income $4,980
    Gross Fiduciary activities income $430
    Service charges on deposit accounts $1,779
    Trading account gains and fees $0
    Additional Noninterest Income $2,771
    Pre-tax net operating income $5,382
    Securities gains (or losses, -) $-215
    Income before extraordinary items $5,479
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,479
    Minority interest net income $0
    Net income $5,479
    Sale, conversion, retirement of capital stock, net $82
    Net operating income $5,694

    The Juniata Valley Bank's gross interest income from loans was $23,606,000.
    The Juniata Valley Bank's net interest income from loans was $19,971,000.
    The Juniata Valley Bank's fee based income from loans was $1,779,000.
    The Juniata Valley Bank's net income from loans was $5,479,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,635
    Provision for credit losses $337
    Total noninterest expense $19,232
    Salaries and employee benefits $10,280
    Premises and equipment expense $2,034
    Additional noninterest expense $6,918
    Applicable income taxes $-312
    Net charge-offs $242
    Cash dividends $4,923

    The Juniata Valley Bank's interest expense for loans was $3,635,000.
    The Juniata Valley Bank's payroll and benefits expense were $10,280,000.
    The Juniata Valley Bank's property, plant and equipment expenses $2,034,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $521,770
    Deposits held in domestic offices $521,770
    Deposits by Individuals, partnerships, and corporations $470,536
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $51,230
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $64,931
    Demand deposits $64,781
    Nontransaction accounts $456,839
    Money market deposit accounts (MMDAs) $50,359
    Other savings deposits (excluding MMDAs) $257,464
    Total time deposits $149,016
    Total time and savings deposits $456,989
    Noninterest-bearing deposits $126,105
    Interest-bearing deposits $395,665
    Retail deposits $513,401
    IRAs and Keogh plan accounts $34,782
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $623,980
    Cash & Balances due from depository institutions $19,017
    Interest-bearing balances $6,662
    Total securities $141,878
    Federal funds sold & reverse repurchase $729
    Net loans and leases $414,598
    Loan and leases loss allowance $3,034
    Trading account assets $0
    Bank premises and fixed assets $8,744
    Other real estate owned $744
    Goodwill and other intangibles $9,743
    All other assets $28,527

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $623,980
    Total Liabilities $558,071
    Total deposits $521,770
    Interest-bearing deposits $395,665
    Deposits held in domestic offices $521,770
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $2,911
    Trading liabilities $0
    Other borrowed funds $28,196
    Subordinated debt $0
    All other liabilities $5,194

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $414,598
    Loan and leases loss allowance $3,034
    Total loans and leases (domestic) $417,632
    All real estate loans $341,532
    Real estate loans in domestic offices $341,532
    Construction and development loans $36,774
    Residential 1-4 family construction $2,556
    Other construction, all land development and other land $34,218
    Loans secured by nonfarm nonresidential properties $116,239
    Nonfarm nonresidential secured by owner-occupied properties $79,733
    Commercial real estate & other non-farm, non-residential $36,506
    Multifamily residential real estate $10,002
    1-4 family residential loans $163,462
    Farmland loans $15,055
    Loans held in foreign offices $0
    Farm loans $1,108
    Commercial and industrial loans $45,378
    To non-U.S. addressees $0
    Loans to individuals $10,408
    Credit card loans $0
    Related Plans $457
    Consumer Auto Loans $6,754
    Other loans to individuals $3,197
    All other loans & leases $19,205
    Loans to foreign governments and official institutions $0
    Other loans $76
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $257
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    The Juniata Valley Bank had $414,598,000 of loans outstanding in 2018. $341,532,000 of loans were in real estate loans. $36,774,000 of loans were in development loans. $10,002,000 of loans were in multifamily mortgage loans. $163,462,000 of loans were in 1-4 family mortgage loans. $1,108,000 of loans were in farm loans. $0 of loans were in credit card loans. $6,754,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 231 $42,287 $183,061
    Nonfarm, nonresidential loans - <$100k 85 $3,514 $41,341
    Nonfarm, nonresidential loans - $100-250k 69 $9,939 $144,043
    Nonfarm, nonresidential loans - $250k-1MM 77 $28,834 $374,468
    Commercial & Industrial, US addressed loans - <$1MM 349 $22,347 $64,032
    Commercial & Industrial, US addressed loans - <$100k 255 $6,411 $25,141
    Commercial & Industrial, US addressed loans - $100-250k 52 $4,716 $90,692
    Commercial & Industrial, US addressed loans - $250k-1MM 42 $11,220 $267,143
    Farmland loans - <$1MM 66 $6,702 $101,545
    Farmland loans - <$100k 29 $1,103 $38,034
    Farmland loans - $100-250k 28 $3,521 $125,750
    Farmland loans - $250k-1MM 9 $2,078 $230,889
    Agriculture operations loans - <$1MM 34 $1,108 $32,588
    Agriculture operations loans - <$100k 31 $793 $25,581
    Agriculture operations loans - $100-250k 2 $279 $139,500
    Agriculture operations loans - $250k-1MM 1 $36 $36,000