Largest lenders in Juniata County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Juniata Valley Bank | C | 62 | 48 | 12.9% | — |
| 2 | Kish Bank | B | 58 | 51 | 6.9% | 7.13% |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 56 | 36 | 19.6% | 6.58% |
| 4 | Pennian Bank | B | 40 | 27 | 15.0% | — |
| 5 | Rocket Mortgage | C | 38 | 26 | 23.7% | 6.63% |
| 6 | Members 1st | B | 37 | 17 | 43.2% | 6.25% |
| 7 | First National Bank of Pennsylvania | B | 31 | 15 | 38.7% | 6.88% |
| 8 | Pennymac Loan Services | C | 16 | 12 | 12.5% | 6.56% |
| 9 | United Shore Financial Services | B | 16 | 10 | 12.5% | 6.50% |
| 10 | Broker Solutions | D | 13 | 6 | 7.7% | 6.19% |
| 11 | Fulton Bank | C | 11 | 8 | 27.3% | 6.49% |
| 12 | Citizens Bank | C | 9 | 3 | 55.6% | 7.15% |
| 13 | Mortgage Research Center | C | 8 | 5 | 0.0% | 6.75% |
| 14 | Loandepot.Com | D | 6 | 4 | 16.7% | 6.31% |
| 15 | The Bank of Landisburg | B | 6 | 4 | 16.7% | — |
| 16 | GoodLeap | C | 5 | 0 | 60.0% | — |
| 17 | 21st Mortgage | F | 5 | 0 | 80.0% | — |
| 18 | Horizon Farm Credit, ACA | B | 5 | 4 | 0.0% | 6.78% |
| 19 | Newrez | D | 5 | 1 | 40.0% | 6.13% |
| 20 | Service 1st | A | 5 | 5 | 0.0% | 6.79% |
| 21 | Guild Mortgage | A | 5 | 2 | 0.0% | 6.49% |
| 22 | Figure Lending | C | 5 | 3 | 40.0% | 7.30% |
Best approval odds in Juniata County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Kish Bank | 55 | 7.3% |
| 2 | The Juniata Valley Bank | 62 | 12.9% |
What Juniata County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Juniata County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 512 | 328 | 19.7% | 6.88% | $95,000 |
| 2024 | 528 | 331 | 21.2% | 6.75% | $105,000 |
| 2025 | 564 | 352 | 22.2% | 6.75% | $115,000 |
Frequently asked questions
22.2% of applications in Juniata County were denied in 2025, against 18.3% statewide in Pennsylvania.
The Juniata Valley Bank, with 62 applications in 2025 and a denial rate of 12.9%.
The median mortgage application in Juniata County in 2025 was for $115,000; the median property value on originated loans was $245,000.