Jersey Shore State Bank in Pennsylvania vs the state
5.0%Denial rate-13.28 pts vs state
5.4%Decision denial rate-16.79 pts vs state
85.6%Origination rate+24.65 pts vs state
5.49%Median rate-1.13 pts vs state
-1.77Rate spread (pts)-2.01 pts vs state
$87kMedian applicant income
803Loans originated
47Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,795 | 1,518 | 6.5% | 6.38% | #47 |
| 2024 | 1,704 | 1,469 | 4.8% | 6.35% | #52 |
| 2025 | 938 | 803 | 5.0% | 5.49% | #96 |
What Jersey Shore State Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Jersey Shore State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lycoming County | 371 | 328 | 8 | 2.2% |
| Clinton County | 124 | 107 | 7 | 5.6% |
| Centre County | 124 | 100 | 11 | 8.9% |
| Luzerne County | 61 | 51 | 1 | 1.6% |
| Blair County | 55 | 44 | 5 | 9.1% |
| Clearfield County | 38 | 32 | 2 | 5.3% |
| Northumberland County | 37 | 33 | 4 | 10.8% |
| Union County | 26 | 23 | 3 | 11.5% |
| Montour County | 16 | 13 | 0 | 0.0% |
| Cambria County | 14 | 12 | 1 | 7.1% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 938 applications in 2025, of which 803 were originated and 47 denied.
5.0% of all applications, or 5.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Jersey Shore State Bank originated in Pennsylvania in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Jersey Shore State Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology