Juniata County, PA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 616 mortgage applications in Juniata County, PA totaling $89.2 million, up 11% from 2024. The average application was for $144,000, and applicants reported an average income of $95,000. 57% of applications resulted in an originated loan and 20% were denied. The most active lender was Pennian Bank, with 64 applications, followed by The Juniata Valley Bank and Kish Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 616 |
| Total Mortgage Loan Application Amount | $89,200,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $1,004,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Pennian Bank 2 NORTH MAIN STREET, P.O. BOX 96 MIFFLINTOWN, PA 17059 |
* | $ n/a | 64 | $ 11,350,000 |
| The Juniata Valley Bank 1 S MAIN ST MIFFLINTOWN, PA 17059 |
* | $ n/a | 62 | $ 6,790,000 |
| Kish Bank 4255 EAST MAIN STREET BELLEVILLE, PA 17004 |
* | $ n/a | 58 | $ 9,230,000 |
| Pennsylvania State Employees Credit Union PO BOX 67013 HARRISBURG, PA 17110 |
* | $ n/a | 56 | $ 7,380,000 |
| Members 1st FCU 5000 LOUISE DRIVE ENOLA, PA 17025 |
* | $ n/a | 37 | $ 3,515,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 31 | $ 2,725,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 21 | $ 3,615,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 2,830,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 13 | $ 2,625,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 13 | $ 2,465,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ n/a | 11 | $ 985,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 10 | $ 2,330,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 8 | $ 1,430,000 |
| The Bank of Landisburg P.O. BOX 179 100 N CARLISLE ST LANDISBURG, PA 17040 |
* | $ n/a | 6 | $ 750,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 880,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 1,145,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 255,000 |
| Service 1st Federal Credit Uni 1985 MONTOUR BLVD PO BOX 159 DANVILLE, PA 17821 |
* | $ n/a | 5 | $ 295,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 5 | $ 595,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 395,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 615,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ n/a | 5 | $ 825,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 550,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 160,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 1,230,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 475,000 |
| Belco Community Credit Union 449 EISENHOWER BLVD HARRISBURG, PA 17111 |
* | $ n/a | 3 | $ 255,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 235,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 245,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 595,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 385,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 875,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 755,000 |
| Farmers and Merchants Trust Company of Chambersburg 20 SOUTH MAIN STREET CHAMBERSBURG, PA 17201 |
* | $ n/a | 3 | $ 535,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 3 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 395,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 170,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 780,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 630,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 80,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 250,000 |
| Radius Financial Group Inc 600 LONGWATER DRIVE SUITE 107 NORWELL, MA 02061 |
* | $ n/a | 2 | $ 240,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 190,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 190,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 250,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 200,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 450,000 |
| Orrstown Bank 4750 LINDLE RD HARRISBURG, PA 17111 |
* | $ n/a | 2 | $ 380,000 |
| Citizens & Northern Bank PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ n/a | 2 | $ 370,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 410,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 340,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 180,000 |
| Mid Penn Bank 349 UNION STREET MILLERSBURG, PA 17061 |
* | $ n/a | 2 | $ 320,000 |
| Journey Bank 232 EAST ST. PO BOX 240 BLOOMSBURG, PA 17815 |
* | $ n/a | 2 | $ 350,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 630,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 100,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ n/a | 2 | $ 210,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 150,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 2 | $ 190,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 270,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 340,000 |
| City Lending Inc. 8150 LEESBURG PIKE SUITE 405 VIENNA, VA 22182 |
* | $ n/a | 2 | $ 410,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 265,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 1 | $ 295,000 |
| United Trust Bank 12330 S. HARLEM AVENUE PALOS HEIGHTS, IL 60463 |
* | $ n/a | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 85,000 |
| Penn Community Bank 219 SOUTH NINTH STREET PO BOX 176 PERKASIE, PA 18944 |
* | $ n/a | 1 | $ 245,000 |
| Benchmark Federal Credit Union 1522 MCDANIEL DR WEST CHESTER, PA 19380 |
* | $ n/a | 1 | $ 35,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 115,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 205,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 265,000 |
| Acnb Bank PO BOX 3129 GETTYSBURG, PA 17325 |
* | $ n/a | 1 | $ 195,000 |
| South River Mortgage, LLC 1750 FOREST DR SUITE 195 ANNAPOLIS, MD 21401 |
* | $ n/a | 1 | $ 125,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 115,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ n/a | 1 | $ 265,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 85,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 225,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 195,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 375,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 195,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 175,000 |
| Americhoice Federal Credit Union 2175 BUMBLE BEE HOLLOW ROAD MECHANICSBURG, PA 17055 |
* | $ n/a | 1 | $ 25,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 275,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 75,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 205,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 75,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 205,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 75,000 |
| Mifflinburg Bank & Trust 250 E. CHESTNUT STREET, PO BOX 186 MIFFLINBURG, PA 17844 |
* | $ n/a | 1 | $ 305,000 |
| Reliance Savings Bank 1119 12TH ST ALTOONA, PA 16602 |
* | $ n/a | 1 | $ 385,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 145,000 |
| Lebanon FCU 120 SOUTH 16TH STREET LEBANON, PA 17042 |
* | $ n/a | 1 | $ 165,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 185,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 245,000 |
The tables below break down 2025 mortgage applications in Juniata County, PA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Juniata County, PA in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 248 | $50,320,000 | $202,000 | $985,000 | $94,000 | $1,004,000 |
| Refinancing | 110 | $15,100,000 | $137,000 | $515,000 | $90,000 | $299,000 |
| Other Purpose | 99 | $7,365,000 | $74,000 | $505,000 | $103,000 | $354,000 |
| Home Improvement | 80 | $5,410,000 | $67,000 | $355,000 | $100,000 | $409,000 |
| Cash-out Refinancing | 79 | $11,005,000 | $139,000 | $425,000 | $86,000 | $797,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 520 | $71,830,000 | $138,000 | $595,000 | $96,000 | $1,004,000 |
| Not Provided | 48 | $8,190,000 | $170,000 | $425,000 | $92,000 | $369,000 |
| Not applicable | 29 | $6,695,000 | $230,000 | $985,000 | $73,000 | $109,000 |
| Hispanic | 13 | $1,555,000 | $119,000 | $235,000 | $63,000 | $102,000 |
| Black or African American | 3 | $745,000 | $248,000 | $475,000 | $100,000 | $183,000 |
| Asian | 2 | $100,000 | $50,000 | $55,000 | $203,000 | $277,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $67,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 531 | $72,395,000 | $136,000 | $985,000 | $98,000 | $1,004,000 |
| FHA-insured (Federal Housing Administration) | 52 | $9,070,000 | $174,000 | $405,000 | $67,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 30 | $6,890,000 | $229,000 | $355,000 | $77,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $845,000 | $281,000 | $475,000 | $106,000 | $183,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 352 | $51,810,000 | $147,000 | $985,000 | $106,000 | $1,004,000 |
| Application Denied By Financial Institution | 125 | $14,385,000 | $115,000 | $515,000 | $81,000 | $354,000 |
| Application Withdrawn By Applicant | 50 | $6,950,000 | $139,000 | $355,000 | $81,000 | $237,000 |
| Loan Purchased By The Institution | 27 | $5,545,000 | $205,000 | $405,000 | $74,000 | $118,000 |
| File Closed For Incompleteness | 20 | $2,630,000 | $131,000 | $385,000 | $72,000 | $222,000 |
| Application Approved But Not Accepted | 17 | $2,665,000 | $156,000 | $335,000 | $81,000 | $181,000 |
| Preapproval Approved but not Accepted | 17 | $4,185,000 | $246,000 | $485,000 | $79,000 | $116,000 |
| Preapproval Denied by Financial Institution | 8 | $1,030,000 | $128,000 | $205,000 | $53,000 | $139,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 372 | $56,370,000 | $151,000 | $985,000 | $95,000 | $409,000 |
| Debt-To-Income Ratio | 171 | $23,225,000 | $135,000 | $515,000 | $97,000 | $1,004,000 |
| Collateral | 26 | $2,750,000 | $105,000 | $345,000 | $87,000 | $207,000 |
| Credit History | 26 | $4,050,000 | $155,000 | $515,000 | $100,000 | $193,000 |
| Other | 10 | $1,670,000 | $167,000 | $475,000 | $66,000 | $183,000 |
| Credit Application Incomplete | 6 | $900,000 | $150,000 | $315,000 | $107,000 | $354,000 |
| Unverifiable Information | 5 | $235,000 | $47,000 | $75,000 | $87,000 | $200,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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