Loan Rates

Unlock opportunities with our competitive Loan Rates. Empower your goals with secure, flexible options tailored to meet your needs. Experience unmatched value and support for your financial journey!

Rates Effective as of 1/14/2025

Term Up to 80% Loan to Value	Interest Rate	APR	Monthly Payment per $1,000.00
1-5 Years (or 12 or 60 monthly payments	6.000%	6.021%	$19.33 (5 year example)		$10,000.00 Minimum
6-10 Years (or 72 to 120 monthly payments)	6.250%	6.261%	$11.23 (10 year example)		$10,000.00 Minimum
11-15 Years (or 132 to 180 monthly payments)	6.500%	6.503%	$8.71 (15 year example)		$25,000.00 Minimum
16-20 Years (or 192 to 240 monthly payments)	6.750%	6.751%	$7.60 (21 year example)	1st Lien Required	$50,000.00 Minimum

JTNB refinances require $5,000.00 new money. Maximum loan amount $200,000.00. Loan & rate subject to credit approval and qualified borrowers.
For credit secured by a 1st lien, payment does not include amounts for taxes and insurance premiums, if applicable, and the actual payment amount will be greater.
For credit requiring automatic payment from a JTNB checking account, rate would be higher with no automatic payment.
Estimated closing costs range from $448.87 to $1,018.87 which include, property search, copy of deed, flood report, recording fees, credit report, doc prep and appraisal fee.
APR determined on minimum loan amount and maximum term
All rates subject to change. Please contact JTNB at (570)325-3631 for current rates.

Prime Rate (Floor rate of 4.00%)
The Annual Percentage Rate (APR) may vary monthly and is based on the prime lending rate as reported and published daily in the Wall Street Journal. Currently the prime rate is 7.500%. The maximum APR will be 18.00% with a floor rate of 4.00%. Property insurance will be required. Estimated closing costs range from $487.87 to $1,018.87 which include, property search, copy of deed, flood report, recording fees, credit report, doc prep and appraisal fee.

Term	Rate	APR	Monthly payment per $1,000.00
5 Year (or 60 monthly payments)	7.250%	7.251%	$19.92
6 Year (or 72 monthly payments	8.000%	8.014%	$17.54

Please contact Jim Thorpe Neighborhood Bank for additional loan options. All rates subject to change. Please contact JTNB at (570)325-3631 for current rates.

Term	Rate	APR	Monthly payment per $1,000.00
4 Year (or 48 monthly payments)-20% Down Payment	8.250%	8.249%	$24.53

Please contact Jim Thorpe Neighborhood Bank for additional loan options. All rates subject to change. Please contact JTNB at (570)325-3631 for current rates.

Term	Rate	APR	Monthly payment per $1,000.00
4 Year (or 48 monthly payments) Secured	8.500%	8.504%	$24.65

All rates subject to change. Please contact JTNB at (570)325-3631 for current rates. For additional loan options contact one of our lenders listed below.

Please contact one of our loan office representatives

Main Office
Richard Kistner – NMLS #877893
Direct: (570)249-6649
Telephone: (570)325-3631

Tawny M. Delich – NMLS #481896
Direct: (570) 249-6563
Telephone: (570) 325-3631

Center Street Office
Emily E. Yamauchi – NMLS#2687147
Direct: (570) 413-8873
Telephone: (570) 325-2783

Penn Forest Office
Renee P. Smith – NMLS #2003291
Direct: (570) 413-8001
Telephone: (570) 325-2909

Nesquehoning Office
Heike A. Hartman – NMLS #2003290
Direct: (570) 273-0028
Telephone: (570) 669-6741

Lehighton Office
Karen A. Kupres- NMLS #543620
Direct: (484) 613-1199
Telephone: (610) 379-5051

Renee E. Biechy- NMLS #543616
Direct: (484) 613-1196
Telephone: (610) 379-5051

Lansford Office
Heike A. Hartman – NMLS #2003290
Direct: (570) 393-7004
Telephone: (570) 645-3293

Additional Loan Products

For Commercial and Business Lending please contact Jim Thorpe Neighborhood Bank for additional loan types and terms.

Main Office
Richard Kistner – NMLS #877893
Direct: (570)249-6649
Telephone: (570)325-3631

Additional Loan Products

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