Journey Bank mortgage approval rate & lending review
Journey Bank decided 880 mortgage applications and funded 821 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Journey Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Journey Bank at a glance
Approval is 14.9 points above the 80.7% 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% | 297 / 314 | 96% | $165K | 285 |
| Home improvement loans | 92% | 77 / 84 | 99% | $55K | 76 |
| Refinance | 94% | 179 / 191 | 99% | $105K | 177 |
| Investment property purchase | 100% | 210 / 211 | 98% | $125K | 206 |
| Investment refinance | 97% | 37 / 38 | 97% | $105K | 36 |
| Investment home improvement | 100% | 41 / 41 | 100% | $85K | 41 |
Journey Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 96% | $125K | 879 | 820 |
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 Journey Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lycoming County, PA | Mortgage lenders | 94% | 246 | 218 |
| Lycoming County, PA | Refinance | 93% | 165 | 152 |
| Lycoming County, PA | Investment property purchase | 99% | 140 | 137 |
| Lycoming County, PA | Home improvement loans | 89% | 63 | 55 |
| Luzerne County, PA | Mortgage lenders | 98% | 51 | 50 |
| Luzerne County, PA | Investment property purchase | 100% | 49 | 47 |
| Luzerne County, PA | Home improvement loans | 100% | 21 | 21 |
| Luzerne County, PA | Refinance | 95% | 20 | 19 |
The county markets where Journey Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Journey Bank
What is Journey Bank's mortgage approval rate?
Journey Bank approved 95.6% of the 880 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 80.7% national rate for the same mix of loan types.
How often do borrowers take the loan Journey Bank offers?
Borrowers accepted 98% of the loans Journey 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 Journey Bank make?
The typical home purchase mortgage loan Journey Bank made was $165K; across all loan types its typical loan ran from $55K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Journey Bank lend?
Journey Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and Delaware.
Can I apply to Journey Bank directly?
Yes. Journey Bank is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Journey 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 Journey Bank treats applications, then get a rate quote from the lender.