Lender in Pennsylvania · HMDA 2025
Journey Bank mortgages in Pennsylvania
Journey Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Journey Bank originated 301 owner-occupied single-family loans in Pennsylvania from 329 completed applications.
Its median conventional purchase loan costs were $3,950 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
301
of 329 applications
Denial rate
6.9%
Purchase · PA 6.7%
Rate spread
−0.00 pts
Conv. · PA +0.17 pts
Loan amount
$215,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 288 | 262 | 6.9% | 6.500% | −0.00 pts | $3,950 | $215,000 |
| Refinance | 40 | 38 | 5.0% | — | −0.10 pts | $1,070 | $185,000 |
| Cash-out refinance | 1 | 1 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Journey Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Columbia County | 1 | 84 | 15.2% |
| Montour County | 1 | 27 | 14.2% |
| Sullivan County | 2 | 4 | 8.9% |
| Lycoming County | 3 | 102 | 10.0% |
| Clinton County | 4 | 20 | 5.6% |
| Union County | 6 | 11 | 3.6% |
| Northumberland County | 8 | 22 | 3.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology