Jersey Shore State Bank mortgage approval rate & lending review
Jersey Shore State Bank decided 2,471 mortgage applications and funded 2,294 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Jersey Shore State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to northwest.bank.
Jersey Shore State Bank at a glance
Approval is 15.9 points above the 78.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 929 / 975 | 99% | $155K | 921 |
| Home improvement loans | 90% | 371 / 413 | 98% | $45K | 364 |
| Cash-out refinance | 95% | 149 / 157 | 99% | $115K | 148 |
| Refinance | 94% | 606 / 646 | 98% | $85K | 595 |
| Investment property purchase | 99% | 189 / 191 | 97% | $125K | 184 |
| Investment refinance | 100% | 40 / 40 | 95% | $125K | 38 |
| Investment home improvement | 98% | 44 / 45 | 91% | $95K | 40 |
Jersey Shore State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 94% | $115K | 2,471 | 2,294 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Jersey Shore State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lycoming County, PA | Refinance | 94% | 526 | 485 |
| Lycoming County, PA | Mortgage lenders | 98% | 401 | 388 |
| Lycoming County, PA | Home improvement loans | 91% | 293 | 261 |
| Luzerne County, PA | Mortgage lenders | 92% | 229 | 211 |
| Centre County, PA | Mortgage lenders | 95% | 149 | 138 |
| Blair County, PA | Mortgage lenders | 94% | 127 | 118 |
| Lycoming County, PA | Cash-out refinance | 97% | 117 | 112 |
| Centre County, PA | Refinance | 95% | 106 | 98 |
| Lycoming County, PA | Investment property purchase | 99% | 95 | 91 |
| Centre County, PA | Home improvement loans | 90% | 98 | 86 |
| Centre County, PA | Investment property purchase | 100% | 50 | 50 |
| Blair County, PA | Investment property purchase | 97% | 38 | 35 |
The county markets where Jersey Shore State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Jersey Shore State Bank
What is Jersey Shore State Bank's mortgage approval rate?
Jersey Shore State Bank approved 94.4% of the 2,471 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.9 points above the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan Jersey Shore State Bank offers?
Borrowers accepted 98% of the loans Jersey Shore State Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Jersey Shore State Bank make?
The typical home purchase mortgage loan Jersey Shore State Bank made was $155K; across all loan types its typical loan ran from $45K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Jersey Shore State Bank lend?
Jersey Shore State Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Pennsylvania.
Can I apply to Jersey Shore State Bank directly?
Yes. Jersey Shore State Bank reports as a direct lender that takes applications from borrowers. Its website is northwest.bank.
Does this page show Jersey Shore State Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Jersey Shore State Bank treats applications, then get a rate quote from the lender.