First Keystone Community Bank Mortgage Rates, Fees & Info

Berwick, PA

LEI: 254900JM9VOQ8A8WF359

Tax ID: 24-0525403

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    First Keystone Community Bank is a smaller bank specializing in Home Purchase and Refi loans. First Keystone Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Scranton, Allentown, Bloomsburg, East Stroudsburg, and Pottsville among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Keystone Community Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Keystone Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.00% 10/31/24
    30 Year Conventional Refi 6.70% 10/31/24
    30 Year Cash-out Refi 6.55% 10/31/24
    15 Year Conventional Purchase 7.56% 10/31/24
    15 Year Conventional Refi 6.56% 10/31/24
    15 Year Cash-out Refi 6.56% 10/31/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    First Keystone Community Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from First Keystone Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    560

    Origination Dollar Volume (All Markets)

    $104,040,000

    Awards

    First Keystone Community Bank 30 Year Conventional Loans gold
    Show all (1) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 233 $39,705,000 $170,408 $2,894 4.96%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 117 $26,075,000 $222,863 $3,752 4.94%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 148 $23,840,000 $161,081 $2,943 4.56%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 38 $9,550,000 $251,316 $2,826 5.13%
    Pottsville, PA (FHA|USDA|VA) 6 $1,310,000 $218,333 $2,825 5.46%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $1,290,000 $645,000 $0 3.80%
    Selinsgrove, PA (FHA|USDA|VA) 6 $1,130,000 $188,333 $1,367 5.43%
    Sunbury, PA (FHA|USDA|VA) 4 $650,000 $162,500 $2,783 4.34%
    Outside of Metro Areas 2 $220,000 $110,000 $2,489 4.38%
    Lewisburg, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $75,000 $75,000 $601 3.40%
    Lock Haven, PA (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.00%
    Sayre, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.75%
    First Keystone Community Bank's top markets include Scranton, Allentown, Bloomsburg, East Stroudsburg, and Pottsville among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against First Keystone Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CROSS VALLEY FEDERAL CREDIT UNION
    Similarity Rank: 168
    FIRST HERITAGE FINANCIAL, LLC
    Similarity Rank: 230
    First Columbia Bank & Trust Co.
    Similarity Rank: 336
    Peoples Security Bank and Trust Company
    Similarity Rank: 440
    The Honesdale National Bank
    Similarity Rank: 450
    First Keystone Community Bank
    Similarity Rank: 559
    Mortgage America, Inc.
    Similarity Rank: 648
    The Luzerne Bank
    Similarity Rank: 672
    ESSA Bank & Trust
    Similarity Rank: 702
    NBT Bank
    Similarity Rank: 748

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 560 $104,040,000 $185,786 $2,883 4.86%

    For 2022, First Keystone Community Bank's most frequently originated type of loan was Conventional, with 560 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 323 $67,765,000 $209,799 $4,119 4.98%
    Refi 155 $25,705,000 $165,839 $1,832 4.65%
    Home Improvement 48 $4,850,000 $101,042 $860 4.82%
    Other 22 $2,910,000 $132,273 $1,301 5.23%
    Cash Out Refi 12 $2,810,000 $234,167 $4,053 3.49%

    For 2022, First Keystone Community Bank's most frequently cited loan purpose was Home Purchase, with 323 originations. The 2nd most popular reason was Refi, with 155 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 315 $64,595,000 $205,063 $2,834 5.03%
    15 Year 97 $10,785,000 $111,186 $1,387 4.78%
    10 Year 49 $4,505,000 $91,939 $779 4.55%
    30 Year 33 $6,295,000 $190,758 $3,584 4.77%
    Other 30 $11,890,000 $396,333 $4,732 4.84%
    5 Year 16 $1,110,000 $69,375 $331 4.06%
    30+ year 11 $4,005,000 $364,091 $9,498 3.53%
    1 Year 9 $855,000 $95,000 $0 4.74%

    For 2022, First Keystone Community Bank's most frequently cited loan duration was 20 Year, with 315 originations. The 2nd most popular length was 15 Year, with 97 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 96 $13,940,000 $145,208
    $1k-2k 31 $8,305,000 $267,903
    $5k+ 10 $3,720,000 $372,000
    $2k-3k 6 $1,640,000 $273,333
    $4k-5k 3 $775,000 $258,333
    $3k-4k 1 $255,000 $255,000

    First Keystone Community Bank's average total fees were $3,584, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 96 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 183 $37,145,000 $202,978
    3-4% 159 $29,445,000 $185,189
    5-6% 108 $19,530,000 $180,833
    6-7% 86 $14,330,000 $166,628
    7-8% 16 $2,050,000 $128,125
    Over 8% 3 $345,000 $115,000
    <2.5% 3 $695,000 $231,667
    2.5-3% 2 $500,000 $250,000

    During 2022, First Keystone Community Bank's average interest rate for loans was 4.77%, while their most frequently originated rate bucket for loans was 4-5%, with 183 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 223 $31,115,000 $139,529 $2,457 4.86%
    $100,000 or less 200 $12,630,000 $63,150 $1,064 4.95%
    $200k-400k 96 $27,040,000 $281,667 $4,996 4.73%
    $400k-600k 23 $10,925,000 $475,000 $5,999 4.34%
    $1MM+ 9 $15,535,000 $1,726,111 $8,727 4.84%
    $600k-1MM 9 $6,795,000 $755,000 $5,557 5.22%

    2022 saw First Keystone Community Bank place emphasis on $100k-200k loans with 223 originations, totaling $31,115,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 59 $7,715,000 $130,763 $2,534 4.63%
    $50k or less 56 $4,340,000 $77,500 $1,696 4.77%
    $100k-150k 39 $6,385,000 $163,718 $3,680 4.76%
    $75k-100k 38 $5,190,000 $136,579 $2,704 4.87%
    $150k-250k 37 $7,635,000 $206,351 $3,796 4.57%
    $250k+ 19 $7,105,000 $373,947 $4,832 4.48%

    First Keystone Community Bank lent most frequently to those with incomes in the $50k-75k range, with 59 originations. The second most popular income band? $50k or less, with 56 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 52 $7,760,000 $149,231 $2,837 4.73%
    30-36% 45 $8,165,000 $181,444 $2,788 4.63%
    <20% 23 $3,555,000 $154,565 $2,903 4.10%
    40% 11 $1,255,000 $114,091 $1,811 4.61%
    >60% 9 $2,075,000 $230,556 $2,819 4.58%
    38% 9 $985,000 $109,444 $2,183 5.09%
    36% 8 $880,000 $110,000 $1,788 4.58%
    45% 8 $1,560,000 $195,000 $3,515 4.48%
    41% 7 $885,000 $126,429 $3,483 5.25%
    42% 7 $1,915,000 $273,571 $5,353 5.11%
    43% 5 $695,000 $139,000 $4,313 5.15%
    46% 4 $700,000 $175,000 $2,923 5.13%
    39% 4 $510,000 $127,500 $2,386 5.73%
    50-60% 4 $640,000 $160,000 $1,690 4.54%
    37% 3 $455,000 $151,667 $1,988 4.48%
    44% 3 $345,000 $115,000 $3,693 5.42%
    47% 2 $230,000 $115,000 $2,894 5.75%
    49% 2 $260,000 $130,000 $2,709 4.08%
    48% 1 $425,000 $425,000 $9,801 3.38%

    First Keystone Community Bank lent most frequently to those with DTI ratios of 20-30%, with 52 originations. The next most common DTI ratio? 30-36%, with 45 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 298 $63,830,000 $214,195 $0 4.98%
    White 249 $37,965,000 $152,470 $2,874 4.73%
    Not provided 4 $520,000 $130,000 $2,409 3.76%
    Asian 3 $515,000 $171,667 $0 4.18%
    Asian Indian 3 $495,000 $165,000 $0 4.78%
    Filipino 1 $375,000 $375,000 $4,902 3.65%
    Other Asian 1 $245,000 $245,000 $0 4.50%
    Black 1 $95,000 $95,000 $0 5.25%

    Approval Rates

    Total approvals of all applications
    91.82%

    First Keystone Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.43%

    First Keystone Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 560 $104,040,000 $185,786

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    560 $104,040,000 $185,786

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 54 $5,350,000 $99,074 $1,095 4.79%
    40-60% 71 $17,735,000 $249,789 $2,816 4.38%
    60-80% 330 $64,450,000 $195,303 $3,791 4.93%
    80-100% 68 $14,860,000 $218,529 $3,828 4.85%
    Under 20% 37 $1,645,000 $44,459 $396 5.21%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    FIRST CITIZENS BANCSHARES, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 100.0%