Applications / Mortgage Analytics / Lenders / Pennsylvania / Journey Bank
Bloomsburg, PA · State non-member bank · FDIC · $1.7 billion assets · 939 loans in 2025
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939
loans originated, 2025
1,084
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Journey Bank is a central Pennsylvania bank that ranked 1 of 153 lenders in Williamsport, PA, and 10 of 643 in non-metro Pennsylvania, making smaller loans than similar banks.
It ranked 1 of 153 lenders in Williamsport, where it has lent since before 1990, ahead of Jersey Shore State Bank and PrimeLending. Its share fell from 16.0% to 13.7%. Its originations fell 8% while the whole market grew 10%, which could account for much of the change.
It made 419 loans in 2023, 1,023 in 2024 and 939 in 2025. It merged with The Muncy Bank and Trust Company in 2023, a possible reason for the rise. The fall of 8% compares with growth of 10% at similar lenders (state non-member banks making between half and twice as many loans).
Its typical loan was $135,000, against $195,000 at similar lenders, smaller than at more than four in five of them. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 1.5% of its lending, against 0.0%, and manufactured homes 3.7%, against 1.4%. Purchase loans were 51.4% of its lending.
LMI (low- and moderate-income) areas took 7.6% of its loans, against 14.7% at similar lenders, among the lowest tenth, and majority-minority areas 0.5%, against 6.9%. Its lending centres on non-metro Pennsylvania and Williamsport, and the make-up of those places is one possible reason. LMI borrowers took 28.5%, against 26.3%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Journey Bank took 1,084 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.4% · Refinance 20.7% · Other 14.3% · Home improvement 13.6%
Conventional 98.2% · USDA (RHS or FSA) 1.5% · VA 0.3% · of 939 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 938 | 99.9% |
| Delaware | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 340 |
| Scranton--Wilkes-Barre | 69 |
| State College | 10 |
| Allentown-Bethlehem-Easton | 2 |
| Harrisburg-Carlisle | 2 |
| Montgomery County-Bucks County-Chester County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C0SKCK5G4RX330 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 881012 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3686 | 1990–2017 |
Established 1 February 1926. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Journey Bank's data.
Journey Bank's data
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