Jersey Shore State Bank
Jersey Shore State Bank received 939 applications in 2025 and made 804 mortgages, in 36 counties across 2 states. The median rate its borrowers got was 5.490% on a median loan of $125,000. Of 868 decisions, 47 were denials — 5.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YHEI1EIYO6OO67 |
|---|---|
| Applications received | 939 |
| Mortgages made | 804 |
| Denied | 47 |
| Approved, not taken up | 17 |
| Withdrawn or incomplete | 71 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.77 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 369 | 6.125% | $155,000 | 4.8% |
| Refinancing | 68 | 5.490% | $105,000 | 5.5% |
| Cash-out refinancing | 200 | 5.490% | $125,000 | 4.3% |
| Other purposes | 167 | 5.490% | $65,000 | 7.9% |
Where Jersey Shore State Bank lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lycoming County, PA | 328 | 5.490% | 2.3% |
| Clinton County, PA | 107 | 5.490% | 6.0% |
| Centre County, PA | 100 | 5.490% | 9.6% |
| Luzerne County, PA | 51 | 6.500% | 1.9% |
| Blair County, PA | 44 | 6.063% | 10.2% |
| Northumberland County, PA | 33 | 5.495% | 10.8% |
| Clearfield County, PA | 32 | 5.500% | 5.9% |
| Union County, PA | 23 | 5.490% | 11.5% |
| Montour County, PA | 13 | 5.490% | 0.0% |
| Cambria County, PA | 12 | 6.188% | 7.7% |
| Columbia County, PA | 12 | 5.500% | 0.0% |
| Tioga County, PA | 5 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 4 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 4 | Under 10 loans | 33.3% |
| Bedford County, PA | 3 | Under 10 loans | 25.0% |
| Huntingdon County, PA | 3 | Under 10 loans | 0.0% |
| Jefferson County, PA | 3 | Under 10 loans | 40.0% |
| Mifflin County, PA | 3 | Under 10 loans | 0.0% |
| Sullivan County, PA | 3 | Under 10 loans | 0.0% |
| Wyoming County, PA | 3 | Under 10 loans | 0.0% |
| Bradford County, PA | 2 | Under 10 loans | 0.0% |
| Indiana County, PA | 2 | Under 10 loans | 0.0% |
| Monroe County, OH | 1 | Under 10 loans | 0.0% |
| Berks County, PA | 1 | Under 10 loans | 0.0% |
| Chester County, PA | 1 | Under 10 loans | 0.0% |
| Crawford County, PA | 1 | Under 10 loans | 0.0% |
| Cumberland County, PA | 1 | Under 10 loans | 0.0% |
| Dauphin County, PA | 1 | Under 10 loans | 0.0% |
| Elk County, PA | 1 | Under 10 loans | 0.0% |
| Franklin County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Potter County, PA | 1 | Under 10 loans | 0.0% |
| Snyder County, PA | 1 | Under 10 loans | 0.0% |
| Somerset County, PA | 1 | Under 10 loans | 0.0% |
| Susquehanna County, PA | 1 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 1 | Under 10 loans | 0.0% |
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When Jersey Shore State Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.