Applications / Mortgage Analytics / Lenders / Pennsylvania / Jersey Shore State Bank
Williamsport, PA · State non-member bank · FDIC · $1.6 billion assets · 804 loans in 2025
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804
loans originated, 2025
939
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jersey Shore State Bank is a Pennsylvania bank that ranked 2 of 153 lenders in Williamsport, PA, though its originations fell 45% in 2025 while similar lenders grew.
Originations fell 45% to 804, from 1,469 in 2024, a larger fall than at nearly all similar lenders (state non-member banks making between half and twice as many loans), whose loans rose 10%, as did the whole market's. The fact pack does not show why; a change in the loans it chose to make is one possibility.
It has lent in Williamsport since before 1990 and ranked 2 of 153 there, behind Journey Bank, but its share fell 9.7 points to 11.6%, from 21.3%. Its share also fell in State College, to 2.2% from 5.6%, and in Altoona, to 1.7% from 5.4%, which may reflect its lower volume overall.
Its typical loan, $125,000, was smaller than at nearly nine in ten peers, against $195,000, and 0.0% of its loans were jumbo. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 3.9%, against 0.0% at peers, higher than at nearly all of them. Home purchases were 45.9% of its lending and refinances 33.3%.
LMI (low- and moderate-income) borrowers took 33.0% of its loans, against 26.9%, higher than at about four in five peers. LMI areas took 12.1%, against 15.2%, and majority-minority areas 1.4%, against 7.2%; the make-up of the Pennsylvania counties it serves is a possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jersey Shore State Bank took 939 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.9% · Refinance 33.3% · Home improvement 13.8% · Other 7.0%
Conventional 96.1% · USDA (RHS or FSA) 3.9% · of 804 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 | 803 | 99.9% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 328 |
| State College | 100 |
| Scranton--Wilkes-Barre | 58 |
| Altoona | 44 |
| Johnstown | 12 |
| Harrisburg-Carlisle | 2 |
| Chambersburg | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| Pittsburgh | 1 |
| Reading | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YHEI1EIYO6OO67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 732918 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314359 | 1990–2017 |
Established 12 May 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Jersey Shore State Bank's data.
Jersey Shore State Bank's data
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Jersey Shore State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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