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 score and performance metrics.

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 an overall pricing score of 16.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Jersey Shore State Bank?

Jersey Shore State Bank is a Bank headquartered in Williamsport, PA.

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Jersey Shore State Bank

Bank•Williamsport, PAHQ•Direct•Reviews near you on Google

Jersey Shore State Bank has 383 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Exceptional

5/5

Conventional · USDA

Place

Exceptional

5/5

Single State · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Particularly strong in Conventional and USDA loans

Things to Think About

Rates typically 62 basis points above market average

Explore another lender or local market

Report Card

Jersey Shore State Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+61.7 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

303 loans · 0.68% above market

Strong

Top 40% of lenders

4/5

USDA

79 loans · 0.09% above market

Exceptional

Top 20% of lenders

5/5

By Loan Purpose· Transaction purpose mix

Purchase

378 loans · 0.61% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Single State · 5 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

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%Above	$2,127Fees
USDA Loans	Exceptional	Exceptional	—	Strong	79	20.6%	+0.089%Above	$2,452Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Exceptional

Volume303

Mix79.1%

Spread

+0.682%Above

Fees

$2,127Fees

USDA Loans

Overall

Exceptional

Product

Exceptional

Pricing—

Pull Through

Strong

Volume79

Mix20.6%

Spread

+0.089%Above

Fees

$2,452Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Strong	378	98.7%	+0.611%Above	$2,172Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume378

Mix98.7%

Spread

+0.611%Above

Fees

$2,172Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

383

Applications

436

Volume

$68 million

Pricing & Closing

Avg Rate Spread

+0.617%

vs. market APOR

Avg Net Fees

$2,162

Origination − Credits

Pullthrough Rate

87.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$180,039

Avg Borrower Income

$81,770

Avg Property Value

$210,822

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Williamsport, PAMetro

Volume 88Mix 22.98% of portfolio

98/100

Exceptional

Altoona, PAMetro

Volume 35Mix 9.14% of portfolio

82/100

Exceptional

State College, PAMetro

Volume 38Mix 9.92% of portfolio

77/100

Strong

Scranton, PAMetro

Volume 69Mix 18.02% of portfolio

75/100

Strong

Top States by Place Specialization Score

PennsylvaniaState

Volume 383Mix 100.00% of portfolio

82/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.