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Jersey Shore State Bank
Bank|Williamsport, PA|Single State
Loans Originated
383
Applications
436
Volume
$68 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.617%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,162
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
87.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and USDA loans
Things to Think About
- Rates typically 62 basis points above market average
Report Card
Jersey Shore State Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Single State · 5 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$180,039
Average Borrower Income
$81,770
Average Property Value
$210,822
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Exceptional | 303 | 79.1% | +0.682% | $2,127 |
USDA Loans | Strong | Exceptional | N/A | Strong | 79 | 20.6% | +0.089% | $2,452 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 378 | 98.7% | +0.611% | $2,172 |
Geographic Coverage
Metro Areas
4
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
PA
Top Metro Areas by Place Specialization Score
1
Williamsport, PA, PAMSA
Volume: 88Mix: 22.98%
Place Specialization
Exceptional
2
Altoona, PA, PAMSA
Volume: 35Mix: 9.14%
Place Specialization
Exceptional
3
State College, PA, PAMSA
Volume: 38Mix: 9.92%
Place Specialization
Strong
4
Scranton, PAMSA
Volume: 69Mix: 18.02%
Place Specialization
Strong
Top States by Place Specialization Score
1
PAState
Volume: 383Mix: 100.00%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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