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June 20, 2016

JSSB Mortgage Services Recognized by USDA for Achievements in Rural Development

JSSB takes first and second in two respective categories.

JSSB Mortgage Services Recognized by USDA 2016

In this picture (from L to R): Wanda Fortin (MLO Sales Manager of JSSB), David Corwin (Housing Programs Director of USDA), and Gerald Seman (President of JSSB Mortgage Services).


Harrisburg, PA –  The United States Department of Agriculture recognized the Jersey Shore State Bank Mortgage Services team, a subsidiary of Penns Woods Bancorp, Inc., for its outstanding achievement as a premier rural development lender in the state of Pennsylvania.

In 2015, the JSSB Mortgage Services team placed first in underwriting with a delinquency rate of zero percent; and second place in loan volume with a total of 201 closed loans for the year. In 2015, the JSSB Mortgage Services team accounted for approximately $20 million of the $664,633,889 invested by Pennsylvania in the single family housing program through direct loans, guaranteed loans, and in housing repair loans.

“The fact that our Mortgage Services team placed first and second in underwriting and loan volume respectively is a true testament to how hard and efficiently our people work,” said Richard Grafmyre, President and CEO of JSSB and Penns Woods Bancorp, Inc. “Jerry Seman and his team continue to prove why they are a premier option for mortgage services in the state of Pennsylvania.”

To learn about any of USDA Rural Development’s programs, contact a Rural Development State Office near you or visit .

Penns Woods Bancorp, Inc. is the $1.3 billion parent company of Jersey Shore State Bank and Luzerne Bank. Jersey Shore State Bank operates fifteen branch offices providing financial services in Lycoming, Clinton, Centre, Montour and Union Counties. Luzerne Bank operates eight branch offices providing financial services in Luzerne and Lackawanna counties. Investment and insurances products are offered through Jersey Shore State Bank’s subsidiary, The M Group, Inc. D/B/A The Comprehensive Financial Group.

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