The Juniata Valley Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
25th17.5% deniedProcesswithdrawn + incomplete share, weight 15%
93rd1.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 360 | 263 | 17.5% | 18.0% | — | $30M |
| 2024 | 262 | 191 | 20.6% | 20.9% | — | $23M |
| 2025 | 289 | 223 | 17.3% | 17.5% | — | $34M |
What The Juniata Valley Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 10 manufactured homes, 26 investment properties.
Who gets approved at The Juniata Valley Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 44 | 27 | 36.4% |
| $50k – $100k | 119 | 83 | 21.4% |
| $100k – $150k | 51 | 44 | 10.0% |
| $150k – $250k | 41 | 38 | 7.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 29 | 23 | 6.9% |
| 25–34 | 49 | 37 | 14.6% |
| 35–44 | 56 | 47 | 14.6% |
| 45–54 | 41 | 33 | 19.5% |
| 55–64 | 54 | 39 | 24.1% |
| 65–74 | 28 | 19 | 21.4% |
Where The Juniata Valley Bank lends
1 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 289 | 223 | 17.3% | — | #227 |
Frequently asked questions
The Juniata Valley Bank denied 17.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of small mortgage lenders.
In 2025, 43% of its applications were for home purchases, 19% for refinancing (including cash-out), and 38% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.