Jersey Shore State Bank Mortgage Rates, Fees & Info

Williamsport, PA

LEI: 549300YHEI1EIYO6OO67

Tax ID: 24-0622580

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
  • Similar Lenders
  • 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

    Jersey Shore State Bank is a smaller bank specializing in Home Purchase and Refi loans. Jersey Shore State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Williamsport, State College, Lock Haven, Altoona, and Huntingdon among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Jersey Shore State Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Jersey Shore State 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.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/28/24
    30 Year Conventional Purchase 6.84% 4/28/24
    30 Year Conventional Refi 6.74% 4/28/24
    30 Year Cash-out Refi 6.66% 4/28/24
    30 Year USDA Purchase 6.79% 4/28/24
    15 Year Conventional Purchase 6.43% 4/28/24
    15 Year Conventional Refi 5.68% 4/28/24
    15 Year Cash-out Refi 5.68% 4/28/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Jersey Shore State Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Jersey Shore State Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,776

    Origination Dollar Volume (All Markets)

    $269,030,000

    Employee count

    242 Show all (9) awards

    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
    WILLIAMSPORT, PA (FHA|USDA|VA) 752 $95,240,000 $126,649 $4,374 2.65%
    STATE COLLEGE, PA (FHA|USDA|VA) 284 $56,270,000 $198,134 $5,662 2.61%
    Lock Haven, PA (FHA|USDA|VA) 227 $26,215,000 $115,485 $4,944 2.57%
    ALTOONA, PA (FHA|USDA|VA) 51 $15,735,000 $308,529 $4,521 2.83%
    Huntingdon, PA (FHA|USDA|VA) 9 $15,315,000 $1,701,667 $6,568 3.83%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 66 $11,790,000 $178,636 $4,286 3.03%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 66 $10,300,000 $156,061 $4,678 2.82%
    Lewisburg, PA (FHA|USDA|VA) 45 $9,275,000 $206,111 $36,445 2.75%
    Sunbury, PA (FHA|USDA|VA) 71 $7,125,000 $100,352 $4,930 2.80%
    DuBois, PA (FHA|USDA|VA) 90 $7,070,000 $78,556 $4,770 2.42%
    Outside of Metro Areas 57 $6,065,000 $106,404 $5,294 2.48%
    Lewistown, PA (FHA|USDA|VA) 11 $2,145,000 $195,000 $5,060 2.77%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $940,000 $235,000 $6,893 2.44%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 3 $755,000 $251,667 $4,590 2.96%
    Somerset, PA (FHA|USDA|VA) 3 $615,000 $205,000 $5,465 3.25%
    Sayre, PA (FHA|USDA|VA) 5 $595,000 $119,000 $4,109 2.68%
    PITTSBURGH, PA (FHA|USDA|VA) 4 $590,000 $147,500 $5,095 3.25%
    JOHNSTOWN, PA (FHA|USDA|VA) 8 $560,000 $70,000 $6,101 3.49%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $495,000 $165,000 $4,395 3.04%
    Selinsgrove, PA (FHA|USDA|VA) 4 $440,000 $110,000 $3,953 2.60%
    Pottsville, PA (FHA|USDA|VA) 3 $405,000 $135,000 $3,629 3.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $290,000 $145,000 $4,373 3.56%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,193 3.13%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 1.99%
    Indiana, PA (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.25%
    Meadville, PA (FHA|USDA|VA) 1 $105,000 $105,000 $5,545 2.63%
    Bradford, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.63%
    St. Marys, PA (FHA|USDA|VA) 1 $85,000 $85,000 $4,621 2.38%
    ERIE, PA (FHA|USDA|VA) 2 $80,000 $40,000 $0 4.75%
    Jersey Shore State Bank's top markets include Williamsport, State College, Lock Haven, Altoona, and Huntingdon among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Jersey Shore State Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CROSS VALLEY FEDERAL CREDIT UNION
    Similarity Rank: 159
    The Honesdale National Bank
    Similarity Rank: 175
    Reliance Savings Bank
    Similarity Rank: 304
    The Muncy Bank and Trust Company
    Similarity Rank: 322
    ESSA Bank & Trust
    Similarity Rank: 336
    HORIZON Federal Credit Union
    Similarity Rank: 372
    CNB Bank
    Similarity Rank: 405
    Fulton Bank
    Similarity Rank: 408
    First Keystone Community Bank
    Similarity Rank: 410
    AmeriServ Financial Bank
    Similarity Rank: 490

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 887 $91,755,000 $103,444 n/a 2.32%
    Conventional 703 $151,635,000 $215,697 $5,662 3.10%
    USDA 186 $25,640,000 $137,849 $5,657 2.68%

    For 2021, Jersey Shore State Bank's most frequently originated type of loan was HELOC, with 887 originations. Their 2nd most popular type was Conventional, with 703 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 788 $131,490,000 $166,865 $6,397 2.87%
    Refi 618 $105,740,000 $171,100 $4,158 2.49%
    Home Improvement 186 $11,310,000 $60,806 $0 2.42%
    Other 120 $6,960,000 $58,000 $0 2.33%
    Cash Out Refi 64 $13,530,000 $211,406 $4,092 3.24%

    For 2021, Jersey Shore State Bank's most frequently cited loan purpose was Home Purchase, with 788 originations. The 2nd most popular reason was Refi, with 618 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 933 $102,145,000 $109,480 $3,564 2.40%
    30 Year 527 $86,245,000 $163,653 $5,715 2.95%
    20 Year 167 $53,675,000 $321,407 $3,662 3.85%
    10 Year 79 $15,625,000 $197,785 $3,688 0.77%
    30+ year 29 $7,695,000 $265,345 $7,108 3.94%
    15 Year 26 $2,810,000 $108,077 $3,391 3.90%
    5 Year 12 $240,000 $20,000 $1,534 1.31%
    1 Year 3 $595,000 $198,333 $2,415 4.50%

    For 2021, Jersey Shore State Bank's most frequently cited loan duration was Other, with 933 originations. The 2nd most popular length was 30 Year, with 527 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 523 $82,215,000 $157,199
    $2k-3k 27 $6,705,000 $248,333
    $3k-4k 18 $5,070,000 $281,667
    $<1k 14 $1,420,000 $101,429
    $5k+ 4 $1,550,000 $387,500
    $4k-5k 3 $1,115,000 $371,667

    Jersey Shore State Bank's average total fees were $5,715, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 523 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 896 $101,800,000 $113,616
    2.5-3% 418 $57,480,000 $137,512
    3-4% 342 $91,880,000 $268,655
    4-5% 118 $17,670,000 $149,746
    5-6% 2 $200,000 $100,000

    During 2021, Jersey Shore State Bank's average interest rate for loans was 2.95%, while their most frequently originated rate bucket for loans was <2.5%, with 896 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 811 $41,055,000 $50,623 $3,698 2.44%
    $100k-200k 643 $91,895,000 $142,916 $6,396 2.80%
    $200k-400k 264 $68,180,000 $258,258 $5,540 2.94%
    $400k-600k 34 $17,080,000 $502,353 $6,216 3.21%
    $1MM+ 13 $42,765,000 $3,289,615 $0 3.13%
    $600k-1MM 11 $8,055,000 $732,273 $14,356 3.28%

    2021 saw Jersey Shore State Bank place emphasis on $100,000 or less loans with 811 originations, totaling $41,055,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 450 $50,410,000 $112,022 $4,855 2.51%
    $50k or less 404 $35,480,000 $87,822 $7,689 2.43%
    $75k-100k 292 $36,420,000 $124,726 $5,044 2.55%
    $100k-150k 250 $34,750,000 $139,000 $4,435 2.65%
    $150k-250k 127 $22,775,000 $179,331 $5,036 2.71%
    $250k+ 52 $18,230,000 $350,577 $6,228 2.80%

    Jersey Shore State Bank lent most frequently to those with incomes in the $50k-75k range, with 450 originations. The second most popular income band? $50k or less, with 404 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 448 $50,920,000 $113,661 $4,637 2.46%
    30-36% 297 $36,985,000 $124,529 $8,909 2.47%
    <20% 276 $30,050,000 $108,877 $4,215 2.38%
    39% 76 $11,230,000 $147,763 $5,447 2.54%
    36% 61 $7,485,000 $122,705 $4,445 2.48%
    37% 58 $5,510,000 $95,000 $3,917 2.36%
    38% 52 $8,440,000 $162,308 $5,295 2.59%
    40% 44 $5,670,000 $128,864 $4,749 2.48%
    44% 33 $3,765,000 $114,091 $4,680 2.25%
    42% 29 $4,515,000 $155,690 $5,885 2.44%
    41% 27 $4,065,000 $150,556 $4,930 2.29%
    43% 23 $3,165,000 $137,609 $4,488 2.61%
    45% 22 $2,790,000 $126,818 $4,408 2.68%
    48% 11 $2,085,000 $189,545 $4,071 2.99%
    46% 10 $1,740,000 $174,000 $5,838 2.85%
    50-60% 7 $2,655,000 $379,286 $5,343 3.48%
    47% 6 $680,000 $113,333 $3,695 2.84%
    49% 4 $990,000 $247,500 $4,783 2.81%
    >60% 3 $545,000 $181,667 $5,242 4.17%

    Jersey Shore State Bank lent most frequently to those with DTI ratios of 20-30%, with 448 originations. The next most common DTI ratio? 30-36%, with 297 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,430 $190,890,000 $133,490 $5,743 2.58%
    Not applicable 147 $49,225,000 $334,864 $0 3.88%
    Not provided 178 $25,980,000 $145,955 $5,022 2.37%
    Black 14 $1,480,000 $105,714 $4,814 2.56%
    Asian 5 $1,075,000 $215,000 $4,336 2.20%
    Asian Indian 2 $380,000 $190,000 $8,539 2.95%

    Approval Rates

    Total approvals of all applications
    93.42%

    Jersey Shore State Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.43%

    Jersey Shore State Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $55,000 $55,000
    NA 1,775 $268,975,000 $151,535

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,776 $269,030,000 $151,481

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 279 $21,865,000 $78,369 $4,070 2.46%
    40-60% 219 $29,635,000 $135,320 $4,095 2.68%
    60-80% 390 $92,190,000 $236,385 $7,225 3.07%
    80-100% 556 $114,710,000 $206,313 $5,009 2.95%
    Over 100% 9 $1,475,000 $163,889 $6,380 2.80%
    Under 20% 322 $9,140,000 $28,385 $3,054 1.86%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Jersey Shore State Bank 100 Cobblestone Road Bellefonte, PA 16823 Full Service B&M $76,406
    Jersey Shore State Bank 112 Bridge Street Jersey Shore, PA 17740 Full Service B&M $32,754
    Jersey Shore State Bank 115 South Main Street Jersey Shore, PA 17740 Full Service B&M $132,416
    Jersey Shore State Bank 150 Continental Blvd Danville, PA 17821 Full Service B&M $58,657
    Jersey Shore State Bank 1720 East Third Street Williamsport, PA 17701 Full Service B&M $21,126
    Jersey Shore State Bank 173 Hogan Boulevard Mill Hall, PA 17751 Full Service Retail $32,988
    Jersey Shore State Bank 2050 North Atherton Street State College, PA 16803 Full Service B&M $48,107
    Jersey Shore State Bank 2675 Euclid Avenue Duboistown, PA 17702 Full Service B&M $67,492
    Jersey Shore State Bank 2842 Earlystown Road Centre Hall, PA 16828 Full Service B&M $52,975
    Jersey Shore State Bank 300 Market Street Williamsport, PA 17701 Limited, Drive-thru $0
    Jersey Shore State Bank 300 Market Street Williamsport, PA 17701 Full Service B&M $248,116
    Jersey Shore State Bank 4 West Main Street Lock Haven, PA 17745 Full Service B&M $125,752
    Jersey Shore State Bank 44 Muncy Creek Blvd Muncy, PA 17756 Full Service B&M $13,529
    Jersey Shore State Bank 493 East Sycamore Road Snow Shoe, PA 16874 Full Service B&M $12,969
    Jersey Shore State Bank 503 E Plank Rd Altoona, PA 16602 Full Service B&M $2,779
    Jersey Shore State Bank 550 North Derr Drive Lewisburg, PA 17837 Full Service B&M $53,072
    Jersey Shore State Bank 820 Broad Street Montoursville, PA 17754 Full Service B&M $47,332
    Jersey Shore State Bank 835 E Bishop St Bellefonte, PA 16823 Full Service B&M $384
    Jersey Shore State Bank 9094 Rt. 405 Highway Montgomery, PA 17752 Full Service B&M $31,791

    For 2021, Jersey Shore State Bank had 19 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $42,380
    Net interest income $35,543
    Total noninterest income $8,614
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,271
    Trading account gains and fees $0
    Additional Noninterest Income $7,343
    Pre-tax net operating income $15,398
    Securities gains (or losses, -) $287
    Income before extraordinary items $12,690
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,690
    Minority interest net income $0
    Net income $12,690
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,457

    Jersey Shore State Bank's gross interest income from loans was $42,380,000.
    Jersey Shore State Bank's net interest income from loans was $35,543,000.
    Jersey Shore State Bank's fee based income from loans was $1,271,000.
    Jersey Shore State Bank's net income from loans was $12,690,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,837
    Provision for credit losses $1,250
    Total noninterest expense $27,509
    Salaries and employee benefits $16,173
    Premises and equipment expense $4,635
    Additional noninterest expense $6,701
    Applicable income taxes $2,995
    Net charge-offs $223
    Cash dividends $5,923

    Jersey Shore State Bank's interest expense for loans was $6,837,000.
    Jersey Shore State Bank's payroll and benefits expense were $16,173,000.
    Jersey Shore State Bank's property, plant and equipment expenses $4,635,000.

    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 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    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 $1,114,490
    Deposits held in domestic offices $1,114,490
    Deposits by Individuals, partnerships, and corporations $936,139
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $177,473
    Deposits by Commercial banks and other depository institutions in U.S. $878
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $85,711
    Demand deposits $58,890
    Nontransaction accounts $1,028,779
    Money market deposit accounts (MMDAs) $233,672
    Other savings deposits (excluding MMDAs) $669,646
    Total time deposits $125,463
    Total time and savings deposits $1,055,600
    Noninterest-bearing deposits $304,938
    Interest-bearing deposits $809,552
    Retail deposits $1,075,386
    IRAs and Keogh plan accounts $18,204
    Brokered deposits $16,598
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,354,455
    Cash & Balances due from depository institutions $94,007
    Interest-bearing balances $80,022
    Total securities $134,695
    Federal funds sold & reverse repurchase $30,000
    Net loans and leases $1,006,692
    Loan and leases loss allowance $10,318
    Trading account assets $0
    Bank premises and fixed assets $26,582
    Other real estate owned $83
    Goodwill and other intangibles $3,446
    All other assets $58,950

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,354,455
    Total Liabilities $1,242,354
    Total deposits $1,114,490
    Interest-bearing deposits $809,552
    Deposits held in domestic offices $1,114,490
    % insured (estimated) $58
    Federal funds purchased and repurchase agreements $1,985
    Trading liabilities $0
    Other borrowed funds $118,393
    Subordinated debt $0
    All other liabilities $7,486

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,006,692
    Loan and leases loss allowance $10,318
    Total loans and leases (domestic) $1,017,010
    All real estate loans $786,178
    Real estate loans in domestic offices $786,178
    Construction and development loans $29,480
    Residential 1-4 family construction $10,532
    Other construction, all land development and other land $18,948
    Loans secured by nonfarm nonresidential properties $222,067
    Nonfarm nonresidential secured by owner-occupied properties $74,909
    Commercial real estate & other non-farm, non-residential $147,158
    Multifamily residential real estate $83,040
    1-4 family residential loans $443,872
    Farmland loans $7,719
    Loans held in foreign offices $0
    Farm loans $489
    Commercial and industrial loans $50,883
    To non-U.S. addressees $0
    Loans to individuals $117,608
    Credit card loans $0
    Related Plans $3,283
    Consumer Auto Loans $110,253
    Other loans to individuals $4,072
    All other loans & leases $61,853
    Loans to foreign governments and official institutions $0
    Other loans $172
    Loans to depository institutions and acceptances of other banks $20,067
    Loans not secured by real estate $7,931
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,009
    Non 1-4 family restructured loans & leases $406
    Total loans and leases (foreign) $0

    Jersey Shore State Bank had $1,006,692,000 of loans outstanding in 2021. $786,178,000 of loans were in real estate loans. $29,480,000 of loans were in development loans. $83,040,000 of loans were in multifamily mortgage loans. $443,872,000 of loans were in 1-4 family mortgage loans. $489,000 of loans were in farm loans. $0 of loans were in credit card loans. $110,253,000 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 445 $90,920 $204,315
    Nonfarm, nonresidential loans - <$100k 106 $4,392 $41,434
    Nonfarm, nonresidential loans - $100-250k 166 $20,994 $126,470
    Nonfarm, nonresidential loans - $250k-1MM 173 $65,534 $378,809
    Commercial & Industrial, US addressed loans - <$1MM 669 $35,208 $52,628
    Commercial & Industrial, US addressed loans - <$100k 533 $13,744 $25,786
    Commercial & Industrial, US addressed loans - $100-250k 96 $10,035 $104,531
    Commercial & Industrial, US addressed loans - $250k-1MM 40 $11,429 $285,725
    Farmland loans - <$1MM 29 $4,272 $147,310
    Farmland loans - <$100k 7 $304 $43,429
    Farmland loans - $100-250k 11 $1,536 $139,636
    Farmland loans - $250k-1MM 11 $2,432 $221,091
    Agriculture operations loans - <$1MM 18 $489 $27,167
    Agriculture operations loans - <$100k 14 $260 $18,571
    Agriculture operations loans - $100-250k 4 $229 $57,250