Journey Bank
Journey Bank received 1,084 applications in 2025 and made 939 mortgages, in 23 counties across 2 states. The median rate its borrowers got was 6.500% on a median loan of $135,000. Of 1,011 decisions, 56 were denials — 5.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300C0SKCK5G4RX330 |
|---|---|
| Applications received | 1,084 |
| Mortgages made | 939 |
| Denied | 56 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 73 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.396 points |
| FDIC-insured bank | Yes: Journey Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 483 | 6.750% | $175,000 | 4.5% |
| Refinancing | 193 | 6.490% | $115,000 | 5.8% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 262 | 6.490% | $55,000 | 7.3% |
Where Journey Bank lends most
The 23 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 | 340 | 6.500% | 7.7% |
| Columbia County, PA | 254 | 6.500% | 6.2% |
| Clinton County, PA | 81 | 6.750% | 3.5% |
| Northumberland County, PA | 73 | 6.500% | 2.7% |
| Luzerne County, PA | 68 | 6.995% | 1.5% |
| Montour County, PA | 56 | 6.563% | 1.8% |
| Union County, PA | 23 | 6.750% | 0.0% |
| Sullivan County, PA | 11 | 6.490% | 8.3% |
| Centre County, PA | 10 | 6.750% | 0.0% |
| Schuylkill County, PA | 4 | Under 10 loans | 0.0% |
| Snyder County, PA | 4 | Under 10 loans | 0.0% |
| Bradford County, PA | 3 | Under 10 loans | 25.0% |
| Juniata County, PA | 2 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Carbon 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% |
| Lackawanna County, PA | 1 | Under 10 loans | 0.0% |
| Lehigh County, PA | 1 | Under 10 loans | 0.0% |
| McKean County, PA | 1 | Under 10 loans | 0.0% |
| Mifflin County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Tioga County, PA | 1 | Under 10 loans | 50.0% |
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When Journey 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.