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

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, Williamsport, and Bradford 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 a below average pick rate when compared to similar lenders.

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Originations

273

Origination Dollar Volume (All Markets)

$28,675,000

Employee count

145

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)	95	$8,075,000	$85,000	$0	0.00%
Outside of Metro Areas	94	$7,580,000	$80,638	$0	0.00%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	37	$4,265,000	$115,270	$0	0.00%
STATE COLLEGE, PA (FHA\|USDA\|VA)	15	$3,855,000	$257,000	$0	0.00%
WILLIAMSPORT, PA (FHA\|USDA\|VA)	1	$1,105,000	$1,105,000	$0	0.00%
Bradford, PA (FHA\|USDA\|VA)	8	$930,000	$116,250	$0	0.00%
Huntingdon, PA (FHA\|USDA\|VA)	4	$560,000	$140,000	$0	0.00%
DuBois, PA (FHA\|USDA\|VA)	3	$455,000	$151,667	$0	0.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	5	$445,000	$89,000	$0	0.00%
LEBANON, PA (FHA\|USDA\|VA)	2	$400,000	$200,000	$0	0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	1	$355,000	$355,000	$0	0.00%
Selinsgrove, PA (FHA\|USDA\|VA)	4	$310,000	$77,500	$0	0.00%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	0.00%
COLUMBUS, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	0.00%
YORK-HANOVER, PA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	0.00%
ALTOONA, PA (FHA\|USDA\|VA)	1	$45,000	$45,000	$0	0.00%

The Juniata Valley Bank's top markets include Lewistown, Harrisburg, State College, Williamsport, and Bradford among others.

Their top states include:

Pennsylvania (FHA|USDA|VA)

Ohio (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	273	$28,675,000	$105,037	$0	0.00%

For 2020, The Juniata Valley Bank's most frequently originated type of loan was Conventional, with 273 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	122	$13,180,000	$108,033	$0	0.00%
Home Purchase	75	$11,455,000	$152,733	$0	0.00%
Home Improvement	56	$2,660,000	$47,500	$0	0.00%
Other	18	$870,000	$48,333	$0	0.00%
Cash Out Refi	2	$510,000	$255,000	$0	0.00%

For 2020, The Juniata Valley Bank's most frequently cited loan purpose was Refi, with 122 originations. The 2nd most popular reason was Home Purchase, with 75 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	273	$28,675,000	$105,037	$0	0.00%

For 2020, The Juniata Valley Bank's most frequently cited loan duration was Other, with 273 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	173	$8,455,000	$48,873	$0	0.00%
$100k-200k	64	$8,290,000	$129,531	$0	0.00%
$200k-400k	30	$7,710,000	$257,000	$0	0.00%
$400k-600k	3	$1,465,000	$488,333	$0	0.00%
$1MM+	2	$2,140,000	$1,070,000	$0	0.00%
$600k-1MM	1	$615,000	$615,000	$0	0.00%

2020 saw The Juniata Valley Bank place emphasis on $100,000 or less loans with 173 originations, totaling $8,455,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	57	$4,475,000	$78,509	$0	0.00%
$100k-150k	54	$6,080,000	$112,593	$0	0.00%
$50k or less	54	$3,220,000	$59,630	$0	0.00%
$75k-100k	50	$3,720,000	$74,400	$0	0.00%
$150k-250k	21	$3,635,000	$173,095	$0	0.00%
$250k+	12	$2,330,000	$194,167	$0	0.00%

The Juniata Valley Bank lent most frequently to those with incomes in the $50k-75k range, with 57 originations. The second most popular income band? $100k-150k, with 54 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	273	$28,675,000	$105,037	$0	0.00%

The Juniata Valley Bank lent most frequently to those with DTI ratios of Exempt%, with 273 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	251	$23,855,000	$95,040	$0	0.00%
Not applicable	17	$4,155,000	$244,412	$0	0.00%
Not provided	4	$540,000	$135,000	$0	0.00%
Black	1	$125,000	$125,000	$0	0.00%

Approval Rates

Total approvals of all applications
75.97%

The Juniata Valley Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
78.39%

The Juniata Valley Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	273	$28,675,000	$105,037

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	4	$1,580,000	$395,000
Single Family (1-4 Units):Manufactured	9	$645,000	$71,667
Single Family (1-4 Units):Site-Built	260	$26,450,000	$101,731

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	$66,263
The Juniata Valley Bank	1 S Main St Mifflintown, PA 17059	Full Service B&M	$27,323
The Juniata Valley Bank	100 West Water Street Lewistown, PA 17044	Full Service B&M	$47,217
The Juniata Valley Bank	10180 Highway 522 South Lewistown, PA 17044	Full Service B&M	$13,001
The Juniata Valley Bank	104 N. Front St. Liverpool, PA 17045	Full Service B&M	$33,068
The Juniata Valley Bank	118 East 2nd Street Coudersport, PA 16915	Full Service B&M	$30,246
The Juniata Valley Bank	17428 Tuscarora Creek Road Blairs Mills, PA 17213	Full Service B&M	$21,422
The Juniata Valley Bank	20 Prince Street Reedsville, PA 17084	Full Service B&M	$34,683
The Juniata Valley Bank	301 Market Street Port Royal, PA 17082	Full Service B&M	$41,108
The Juniata Valley Bank	30580 Route 35 North Mcalisterville, PA 17049	Full Service B&M	$58,719
The Juniata Valley Bank	320 South Logan Boulevard Burnham, PA 17009	Full Service B&M	$50,766
The Juniata Valley Bank	4 North Market Millerstown, PA 17062	Full Service B&M	$46,784
The Juniata Valley Bank	4068 William Penn Hwy Mifflintown, PA 17059	Full Service B&M	$38,732
The Juniata Valley Bank	52 West Mill Street Port Allegany, PA 16743	Full Service B&M	$2,024
The Juniata Valley Bank	571 Main Street Richfield, PA 17086	Full Service B&M	$31,522
The Juniata Valley Bank	64 Main Street Port Allegany, PA 16743	Full Service B&M	$52,041

For 2020, The Juniata Valley Bank had 16 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$24,237
Net interest income	$20,200
Total noninterest income	$4,519
Gross Fiduciary activities income	$408
Service charges on deposit accounts	$1,376
Trading account gains and fees	$0
Additional Noninterest Income	$2,735
Pre-tax net operating income	$4,870
Securities gains (or losses, -)	$814
Income before extraordinary items	$5,701
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$5,701
Minority interest net income	$0
Net income	$5,701
Sale, conversion, retirement of capital stock, net	$129
Net operating income	$4,887

The Juniata Valley Bank's gross interest income from loans was $24,237,000.
The Juniata Valley Bank's net interest income from loans was $20,200,000.
The Juniata Valley Bank's fee based income from loans was $1,376,000.
The Juniata Valley Bank's net income from loans was $5,701,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$4,037
Provision for credit losses	$721
Total noninterest expense	$19,128
Salaries and employee benefits	$10,175
Premises and equipment expense	$2,107
Additional noninterest expense	$6,846
Applicable income taxes	$-17
Net charge-offs	$-412
Cash dividends	$4,466

The Juniata Valley Bank's interest expense for loans was $4,037,000.
The Juniata Valley Bank's payroll and benefits expense were $10,175,000.
The Juniata Valley Bank's property, plant and equipment expenses $2,107,000.

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	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
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	$623,011
Deposits held in domestic offices	$623,011
Deposits by Individuals, partnerships, and corporations	$553,203
Deposits by U.S. Government	$2
Deposits by States and political subdivisions in the U.S.	$69,806
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	$92,520
Demand deposits	$92,395
Nontransaction accounts	$530,491
Money market deposit accounts (MMDAs)	$60,816
Other savings deposits (excluding MMDAs)	$314,965
Total time deposits	$154,710
Total time and savings deposits	$530,616
Noninterest-bearing deposits	$168,260
Interest-bearing deposits	$454,751
Retail deposits	$610,036
IRAs and Keogh plan accounts	$37,287
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$792,722
Cash & Balances due from depository institutions	$32,356
Interest-bearing balances	$21,981
Total securities	$286,570
Federal funds sold & reverse repurchase	$10,000
Net loans and leases	$418,567
Loan and leases loss allowance	$4,094
Trading account assets	$0
Bank premises and fixed assets	$8,808
Other real estate owned	$0
Goodwill and other intangibles	$9,446
All other assets	$26,975

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$792,722
Total Liabilities	$717,281
Total deposits	$623,011
Interest-bearing deposits	$454,751
Deposits held in domestic offices	$623,011
% insured (estimated)	$86
Federal funds purchased and repurchase agreements	$4,750
Trading liabilities	$0
Other borrowed funds	$84,539
Subordinated debt	$0
All other liabilities	$4,981

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$418,567
Loan and leases loss allowance	$4,094
Total loans and leases (domestic)	$422,661
All real estate loans	$325,187
Real estate loans in domestic offices	$325,187
Construction and development loans	$61,051
Residential 1-4 family construction	$2,228
Other construction, all land development and other land	$58,823
Loans secured by nonfarm nonresidential properties	$94,484
Nonfarm nonresidential secured by owner-occupied properties	$50,216
Commercial real estate & other non-farm, non-residential	$44,268
Multifamily residential real estate	$9,313
1-4 family residential loans	$141,438
Farmland loans	$18,901
Loans held in foreign offices	$0
Farm loans	$4,691
Commercial and industrial loans	$65,142
To non-U.S. addressees	$0
Loans to individuals	$5,867
Credit card loans	$0
Related Plans	$300
Consumer Auto Loans	$3,454
Other loans to individuals	$2,113
All other loans & leases	$21,774
Loans to foreign governments and official institutions	$0
Other loans	$3,224
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	$3,363
Non 1-4 family restructured loans & leases	$3,143
Total loans and leases (foreign)	$0

The Juniata Valley Bank had $418,567,000 of loans outstanding in 2020. $325,187,000 of loans were in real estate loans. $61,051,000 of loans were in development loans. $9,313,000 of loans were in multifamily mortgage loans. $141,438,000 of loans were in 1-4 family mortgage loans. $4,691,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,454,000 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	203	$39,257	$193,384
Nonfarm, nonresidential loans - <$100k	58	$2,040	$35,172
Nonfarm, nonresidential loans - $100-250k	72	$10,445	$145,069
Nonfarm, nonresidential loans - $250k-1MM	73	$26,772	$366,740
Commercial & Industrial, US addressed loans - <$1MM	743	$44,564	$59,978
Commercial & Industrial, US addressed loans - <$100k	595	$15,120	$25,412
Commercial & Industrial, US addressed loans - $100-250k	95	$10,977	$115,547
Commercial & Industrial, US addressed loans - $250k-1MM	53	$18,467	$348,434
Farmland loans - <$1MM	71	$8,965	$126,268
Farmland loans - <$100k	30	$1,278	$42,600
Farmland loans - $100-250k	25	$2,963	$118,520
Farmland loans - $250k-1MM	16	$4,724	$295,250
Agriculture operations loans - <$1MM	61	$1,875	$30,738
Agriculture operations loans - <$100k	58	$1,444	$24,897
Agriculture operations loans - $100-250k	2	$255	$127,500
Agriculture operations loans - $250k-1MM	1	$176	$176,000