The Juniata Valley Bank Mortgage Rates, Fees & Info

Mifflintown, PA

LEI: 549300R20AB76CQEH402

Tax ID: 23-0741266

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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, Bradford, and Selinsgrove among others. We have data for 11 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    184

    Origination Dollar Volume (All Markets)

    $14,100,000

    Employee count

    154

    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
    Lewistown, PA (FHA|USDA|VA) 70 $4,400,000 $62,857 $0 0.00%
    Outside of Metro Areas 60 $4,020,000 $67,000 $0 0.00%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 29 $2,325,000 $80,172 $0 0.00%
    STATE COLLEGE, PA (FHA|USDA|VA) 7 $2,195,000 $313,571 $0 0.00%
    Bradford, PA (FHA|USDA|VA) 7 $465,000 $66,429 $0 0.00%
    Selinsgrove, PA (FHA|USDA|VA) 4 $280,000 $70,000 $0 0.00%
    Huntingdon, PA (FHA|USDA|VA) 2 $140,000 $70,000 $0 0.00%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $140,000 $70,000 $0 0.00%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    ALTOONA, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    The Juniata Valley Bank's top markets include Lewistown, Harrisburg, State College, Bradford, and Selinsgrove among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 184 $14,100,000 $76,630 $0 0.00%

    For 2019, The Juniata Valley Bank's most frequently originated type of loan was Conventional, with 184 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 63 $4,455,000 $70,714 $0 0.00%
    Home Purchase 51 $7,025,000 $137,745 $0 0.00%
    Home Improvement 42 $1,550,000 $36,905 $0 0.00%
    Other 26 $830,000 $31,923 $0 0.00%
    Cash Out Refi 2 $240,000 $120,000 $0 0.00%

    For 2019, The Juniata Valley Bank's most frequently cited loan purpose was Refi, with 63 originations. The 2nd most popular reason was Home Purchase, with 51 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 184 $14,100,000 $76,630 $0 0.00%

    For 2019, The Juniata Valley Bank's most frequently cited loan duration was Other, with 184 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 149 $6,315,000 $42,383 $0 0.00%
    $100k-200k 24 $3,150,000 $131,250 $0 0.00%
    $200k-400k 6 $1,500,000 $250,000 $0 0.00%
    $400k-600k 3 $1,315,000 $438,333 $0 0.00%
    $1MM+ 1 $1,195,000 $1,195,000 $0 0.00%
    $600k-1MM 1 $625,000 $625,000 $0 0.00%

    2019 saw The Juniata Valley Bank place emphasis on $100,000 or less loans with 149 originations, totaling $6,315,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 56 $2,220,000 $39,643 $0 0.00%
    $50k-75k 43 $2,575,000 $59,884 $0 0.00%
    $75k-100k 34 $2,290,000 $67,353 $0 0.00%
    $100k-150k 25 $2,385,000 $95,400 $0 0.00%
    $150k-250k 11 $1,545,000 $140,455 $0 0.00%
    $250k+ 3 $2,035,000 $678,333 $0 0.00%

    The Juniata Valley Bank lent most frequently to those with incomes in the $50k or less range, with 56 originations. The second most popular income band? $50k-75k, with 43 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 184 $14,100,000 $76,630 $0 0.00%

    The Juniata Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 184 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 170 $13,140,000 $77,294 $0 0.00%
    Not applicable 8 $800,000 $100,000 $0 0.00%
    Not provided 5 $135,000 $27,000 $0 0.00%
    Black 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    77.89%

    The Juniata Valley Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.54%

    The Juniata Valley Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 184 $14,100,000 $76,630

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $2,245,000 $748,333
    Single Family (1-4 Units):Manufactured 9 $595,000 $66,111
    Single Family (1-4 Units):Site-Built 172 $11,260,000 $65,465

    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 $54,871
    The Juniata Valley Bank 1 S Main St Mifflintown, PA 17059 Full Service B&M $24,625
    The Juniata Valley Bank 100 West Water Street Lewistown, PA 17044 Full Service B&M $41,657
    The Juniata Valley Bank 10180 Highway 522 South Lewistown, PA 17044 Full Service B&M $12,605
    The Juniata Valley Bank 104 N. Front St. Liverpool, PA 17045 Full Service B&M $29,710
    The Juniata Valley Bank 118 East 2nd Street Coudersport, PA 16915 Full Service B&M $28,347
    The Juniata Valley Bank 17428 Tuscarora Creek Road Blairs Mills, PA 17213 Full Service B&M $18,800
    The Juniata Valley Bank 20 Prince Street Reedsville, PA 17084 Full Service B&M $29,914
    The Juniata Valley Bank 301 Market Street Port Royal, PA 17082 Full Service B&M $37,091
    The Juniata Valley Bank 30580 Route 35 North Mcalisterville, PA 17049 Full Service B&M $57,108
    The Juniata Valley Bank 320 South Logan Boulevard Burnham, PA 17009 Full Service B&M $44,817
    The Juniata Valley Bank 4 North Market Millerstown, PA 17062 Full Service B&M $40,900
    The Juniata Valley Bank 4068 William Penn Hwy Mifflintown, PA 17059 Full Service B&M $34,414
    The Juniata Valley Bank 52 West Mill Street Port Allegany, PA 16743 Full Service B&M $1,155
    The Juniata Valley Bank 571 Main Street Richfield, PA 17086 Full Service B&M $29,420
    The Juniata Valley Bank 64 Main Street Port Allegany, PA 16743 Full Service B&M $49,166

    For 2019, The Juniata Valley Bank had 16 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,567
    Net interest income $20,859
    Total noninterest income $4,974
    Gross Fiduciary activities income $394
    Service charges on deposit accounts $1,717
    Trading account gains and fees $0
    Additional Noninterest Income $2,863
    Pre-tax net operating income $5,968
    Securities gains (or losses, -) $-25
    Income before extraordinary items $5,921
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,921
    Minority interest net income $0
    Net income $5,921
    Sale, conversion, retirement of capital stock, net $112
    Net operating income $5,946

    The Juniata Valley Bank's gross interest income from loans was $25,567,000.
    The Juniata Valley Bank's net interest income from loans was $20,859,000.
    The Juniata Valley Bank's fee based income from loans was $1,717,000.
    The Juniata Valley Bank's net income from loans was $5,921,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,708
    Provision for credit losses $-573
    Total noninterest expense $20,438
    Salaries and employee benefits $11,851
    Premises and equipment expense $2,177
    Additional noninterest expense $6,410
    Applicable income taxes $22
    Net charge-offs $-500
    Cash dividends $4,489

    The Juniata Valley Bank's interest expense for loans was $4,708,000.
    The Juniata Valley Bank's payroll and benefits expense were $11,851,000.
    The Juniata Valley Bank's property, plant and equipment expenses $2,177,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    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 $532,017
    Deposits held in domestic offices $532,017
    Deposits by Individuals, partnerships, and corporations $474,300
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $57,713
    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 $68,037
    Demand deposits $67,921
    Nontransaction accounts $463,980
    Money market deposit accounts (MMDAs) $52,895
    Other savings deposits (excluding MMDAs) $260,989
    Total time deposits $150,096
    Total time and savings deposits $464,096
    Noninterest-bearing deposits $134,783
    Interest-bearing deposits $397,234
    Retail deposits $525,094
    IRAs and Keogh plan accounts $37,343
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $669,402
    Cash & Balances due from depository institutions $14,950
    Interest-bearing balances $2,815
    Total securities $210,629
    Federal funds sold & reverse repurchase $0
    Net loans and leases $397,629
    Loan and leases loss allowance $2,961
    Trading account assets $0
    Bank premises and fixed assets $9,243
    Other real estate owned $0
    Goodwill and other intangibles $9,545
    All other assets $27,406

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $669,402
    Total Liabilities $597,049
    Total deposits $532,017
    Interest-bearing deposits $397,234
    Deposits held in domestic offices $532,017
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $3,429
    Trading liabilities $0
    Other borrowed funds $56,303
    Subordinated debt $0
    All other liabilities $5,300

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $397,629
    Loan and leases loss allowance $2,961
    Total loans and leases (domestic) $400,590
    All real estate loans $323,611
    Real estate loans in domestic offices $323,611
    Construction and development loans $46,459
    Residential 1-4 family construction $2,986
    Other construction, all land development and other land $43,473
    Loans secured by nonfarm nonresidential properties $102,163
    Nonfarm nonresidential secured by owner-occupied properties $61,658
    Commercial real estate & other non-farm, non-residential $40,505
    Multifamily residential real estate $7,289
    1-4 family residential loans $150,538
    Farmland loans $17,162
    Loans held in foreign offices $0
    Farm loans $1,206
    Commercial and industrial loans $50,509
    To non-U.S. addressees $0
    Loans to individuals $8,818
    Credit card loans $0
    Related Plans $363
    Consumer Auto Loans $5,600
    Other loans to individuals $2,855
    All other loans & leases $16,446
    Loans to foreign governments and official institutions $0
    Other loans $69
    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 $548
    Non 1-4 family restructured loans & leases $306
    Total loans and leases (foreign) $0

    The Juniata Valley Bank had $397,629,000 of loans outstanding in 2019. $323,611,000 of loans were in real estate loans. $46,459,000 of loans were in development loans. $7,289,000 of loans were in multifamily mortgage loans. $150,538,000 of loans were in 1-4 family mortgage loans. $1,206,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,600,000 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 229 $44,633 $194,904
    Nonfarm, nonresidential loans - <$100k 74 $2,980 $40,270
    Nonfarm, nonresidential loans - $100-250k 76 $11,109 $146,171
    Nonfarm, nonresidential loans - $250k-1MM 79 $30,544 $386,633
    Commercial & Industrial, US addressed loans - <$1MM 349 $21,246 $60,877
    Commercial & Industrial, US addressed loans - <$100k 256 $6,476 $25,297
    Commercial & Industrial, US addressed loans - $100-250k 59 $5,563 $94,288
    Commercial & Industrial, US addressed loans - $250k-1MM 34 $9,207 $270,794
    Farmland loans - <$1MM 61 $7,312 $119,869
    Farmland loans - <$100k 25 $987 $39,480
    Farmland loans - $100-250k 25 $3,258 $130,320
    Farmland loans - $250k-1MM 11 $3,067 $278,818
    Agriculture operations loans - <$1MM 39 $1,206 $30,923
    Agriculture operations loans - <$100k 36 $883 $24,528
    Agriculture operations loans - $100-250k 2 $239 $119,500
    Agriculture operations loans - $250k-1MM 1 $84 $84,000