# Jersey Shore State Bank

> **Canonical URL:** https://saferate.com/lenders/jersey-shore-state-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Jersey Shore State Bank is a bank, headquartered in Williamsport, PA, with 383 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 84% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300YHEI1EIYO6OO67
- **Headquarters:** Williamsport, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.617%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,162
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 383
- **Dollar Volume:** $69 million
- **Applications Received:** 436
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $180,039
- **Average Borrower Income:** $81,770
- **Average Property Value:** $210,822

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 303 | +0.682% | $2,127 | Strong 😀 |
| USDA | 86/100 | 79 | +0.089% | $2,452 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 298 loans, Score: 71/100 (Strong)

**USDA:**
- Purchase: 79 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 378 | $68M | +0.611% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 383 | 0.32% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 143 | 61/100 |
| Williamsport, PA | PA | 88 | 98/100 |
| Scranton | PA | 69 | 75/100 |
| State College, PA | PA | 38 | 77/100 |
| Altoona, PA | PA | 35 | 82/100 |

## Where This Lender Ranks

Jersey Shore State Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Williamsport, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Altoona, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Altoona, PA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Williamsport, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in State College, PA Banks
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks)
- 🏆 **#6** in Altoona, PA Banks
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/banks)
- 🏆 **#8** in Williamsport, PA
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders)
- 🏆 **#8** in Altoona, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Williamsport, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in State College, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Pennsylvania for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#11** in Altoona, PA
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders)
- 🏆 **#12** in State College, PA
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders)
- 🏆 **#14** in Altoona, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/altoona-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)
- 🏆 **#20** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Jersey Shore State Bank offer?

Jersey Shore State Bank offers the following mortgage loan types: Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Jersey Shore State Bank offer mortgages?

Jersey Shore State Bank offers mortgages in 1 states: PA.

### How competitive are Jersey Shore State Bank's mortgage rates?

Jersey Shore State Bank has a pricing score of 16/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.617% above market average.

### What type of lender is Jersey Shore State Bank?

Jersey Shore State Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Williamsport, PA.

### What is Jersey Shore State Bank's loan approval success rate?

Jersey Shore State Bank has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/jersey-shore-state-bank

### How to Cite

> "Jersey Shore State Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jersey-shore-state-bank

---

**[View Interactive Profile →](https://saferate.com/lenders/jersey-shore-state-bank)**