Applications / Mortgage Analytics / Lenders / Pennsylvania / The Juniata Valley Bank
Mifflintown, PA · State non-member bank · FDIC · $895 million assets · 223 loans in 2025
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223
loans originated, 2025
289
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Juniata Valley Bank, a Pennsylvania bank that has reported its lending since 1990, does much of its business in home improvement: such loans made up 28.7% of its 2025 lending, and its typical loan was less than half the size of its peers'.
Purchases made up 44.4% of its loans, home improvement 28.7% and refinancing 19.7%. Those smaller jobs may help explain the size of its loans. Its typical loan was $85,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans). Nineteen in twenty of them made bigger loans. Every loan was conventional.
It made 223 loans in 2025, up 17% from 191, faster than similar lenders' 9% and the market's 10%. It is still well short of the 360 it made in 2022.
Its biggest market is non-metro Pennsylvania, where it ranks 63 of 643 lenders. Its share rose 0.2 points in State College, to 0.5%, ranking 28 of 192, and 0.2 points in Chambersburg, to 0.3%. In Harrisburg-Carlisle, a market it has served since 1990, its share held at 0.2%. The filings of Liverpool Community Bank, with which it merged in 2018, count as its own in these figures.
Borrowers with low or moderate incomes took 33.7% of its loans, against 27.9% at the typical similar lender, a higher share than at about three in four.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Juniata Valley Bank took 289 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.4% · Home improvement 28.7% · Refinance 19.7% · Other 7.2%
Conventional 100.0% · of 223 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 | 223 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Harrisburg-Carlisle | 29 |
| State College | 16 |
| Chambersburg | 11 |
| York-Hanover | 2 |
| Altoona | 1 |
| Johnstown | 1 |
| Lebanon | 1 |
| Pittsburgh | 1 |
| Williamsport | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R20AB76CQEH402 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 215710 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 37614 | 1990–2017 |
Established 1 January 1867. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Juniata Valley Bank's data.
The Juniata Valley Bank's data
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The Juniata Valley 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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