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

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 Sunbury among others. We have data for 10 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 an above 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%	12/16/24
30 Year Conventional Refi	6.70%	12/16/24
30 Year Cash-out Refi	6.55%	12/16/24
15 Year Conventional Purchase	7.56%	12/16/24
15 Year Conventional Refi	6.56%	12/16/24
15 Year Cash-out Refi	6.56%	12/16/24
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

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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

627

Origination Dollar Volume (All Markets)

$108,655,000

Employee count

198

Awards

First Keystone Community Bank 30 Year Conventional Loans silver

First Keystone Community Bank 30 Year Conventional Loans gold

First Keystone Community Bank 30 Year Conventional Loans bronze

Show all (4) 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)	216	$32,250,000	$149,306	$3,039	3.45%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	148	$31,670,000	$213,986	$3,092	4.05%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	187	$27,725,000	$148,262	$2,487	3.30%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	56	$12,550,000	$224,107	$2,945	3.54%
Sunbury, PA (FHA\|USDA\|VA)	6	$1,460,000	$243,333	$2,699	3.40%
Pottsville, PA (FHA\|USDA\|VA)	7	$1,045,000	$149,286	$4,502	3.81%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	3	$875,000	$291,667	$7,236	2.83%
Outside of Metro Areas	2	$580,000	$290,000	$3,831	3.13%
WILLIAMSPORT, PA (FHA\|USDA\|VA)	1	$275,000	$275,000	$0	4.00%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	1	$225,000	$225,000	$7,889	3.25%

First Keystone Community Bank's top markets include Scranton, Allentown, Bloomsburg, East Stroudsburg, and Sunbury 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: 159

The Honesdale National Bank
Similarity Rank: 175

ESSA Bank & Trust
Similarity Rank: 462

First Keystone Community Bank
Similarity Rank: 720

Fulton Bank
Similarity Rank: 952

POLISH & SLAVIC FEDERAL CREDIT UNION
Similarity Rank: 1026

First Columbia Bank & Trust Co.
Similarity Rank: 1110

Peoples Security Bank and Trust Company
Similarity Rank: 1152

Jersey Shore State Bank
Similarity Rank: 1305

The Luzerne Bank
Similarity Rank: 1308

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	627	$108,655,000	$173,293	$2,833	3.56%

For 2021, First Keystone Community Bank's most frequently originated type of loan was Conventional, with 627 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	325	$55,405,000	$170,477	$3,979	3.77%
Refi	208	$39,830,000	$191,490	$1,956	3.44%
Cash Out Refi	58	$10,940,000	$188,621	$4,136	2.75%
Home Improvement	22	$1,070,000	$48,636	$327	3.63%
Other	14	$1,410,000	$100,714	$904	3.49%

For 2021, First Keystone Community Bank's most frequently cited loan purpose was Home Purchase, with 325 originations. The 2nd most popular reason was Refi, with 208 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
20 Year	290	$56,980,000	$196,483	$2,996	3.84%
15 Year	142	$19,650,000	$138,380	$1,879	3.20%
30 Year	82	$15,080,000	$183,902	$3,874	3.08%
10 Year	48	$4,190,000	$87,292	$650	3.64%
Other	25	$6,405,000	$256,200	$4,093	3.65%
30+ year	16	$4,800,000	$300,000	$7,644	3.02%
1 Year	12	$1,010,000	$84,167	$0	4.18%
5 Year	12	$540,000	$45,000	$319	3.58%

For 2021, First Keystone Community Bank's most frequently cited loan duration was 20 Year, with 290 originations. The 2nd most popular length was 15 Year, with 142 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	233	$30,255,000	$129,850
$1k-2k	53	$11,075,000	$208,962
$2k-3k	21	$3,875,000	$184,524
$3k-4k	12	$2,920,000	$243,333
$5k+	12	$4,300,000	$358,333
$4k-5k	8	$2,140,000	$267,500

First Keystone Community Bank's average total fees were $3,874, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 233 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	331	$58,135,000	$175,634
4-5%	160	$25,350,000	$158,438
2.5-3%	99	$19,395,000	$195,909
<2.5%	37	$5,775,000	$156,081

During 2021, First Keystone Community Bank's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 3-4%, with 331 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	244	$35,470,000	$145,369	$2,805	3.52%
$100,000 or less	216	$14,200,000	$65,741	$1,266	3.65%
$200k-400k	136	$37,350,000	$274,632	$4,407	3.42%
$400k-600k	21	$9,925,000	$472,619	$7,862	3.72%
$1MM+	5	$7,945,000	$1,589,000	$7,910	3.79%
$600k-1MM	5	$3,765,000	$753,000	$0	3.88%

2021 saw First Keystone Community Bank place emphasis on $100k-200k loans with 244 originations, totaling $35,470,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	87	$11,005,000	$126,494	$2,456	3.25%
$50k or less	83	$8,025,000	$96,687	$1,977	3.26%
$100k-150k	68	$12,460,000	$183,235	$2,992	3.26%
$75k-100k	63	$10,595,000	$168,175	$3,013	3.18%
$150k-250k	42	$11,300,000	$269,048	$4,616	3.21%
$250k+	17	$4,555,000	$267,941	$4,102	3.05%

First Keystone Community Bank lent most frequently to those with incomes in the $50k-75k range, with 87 originations. The second most popular income band? $50k or less, with 83 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	84	$12,120,000	$144,286	$2,538	3.12%
30-36%	61	$9,165,000	$150,246	$2,878	3.23%
<20%	43	$6,705,000	$155,930	$2,712	3.06%
36%	15	$1,895,000	$126,333	$2,278	3.18%
42%	12	$1,670,000	$139,167	$2,629	3.45%
38%	12	$1,920,000	$160,000	$2,735	2.91%
47%	12	$2,130,000	$177,500	$3,133	3.02%
39%	11	$1,545,000	$140,455	$2,523	3.12%
48%	10	$1,870,000	$187,000	$4,321	3.09%
37%	10	$1,870,000	$187,000	$3,356	3.08%
40%	9	$2,365,000	$262,778	$3,253	3.28%
43%	9	$1,855,000	$206,111	$3,395	3.01%
>60%	9	$2,235,000	$248,333	$3,181	3.55%
46%	8	$1,280,000	$160,000	$3,642	3.06%
44%	7	$1,225,000	$175,000	$2,850	3.15%
49%	7	$1,195,000	$170,714	$3,380	3.30%
50-60%	6	$1,090,000	$181,667	$2,131	3.51%
41%	4	$670,000	$167,500	$2,330	3.31%
45%	3	$665,000	$221,667	$4,512	2.97%

First Keystone Community Bank lent most frequently to those with DTI ratios of 20-30%, with 84 originations. The next most common DTI ratio? 30-36%, with 61 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	358	$56,220,000	$157,039	$2,754	3.22%
Not applicable	255	$48,665,000	$190,843	$0	4.04%
Black	6	$1,560,000	$260,000	$6,121	3.26%
Asian	4	$1,020,000	$255,000	$3,306	3.17%
Not provided	2	$720,000	$360,000	$6,648	3.13%
Other Asian	1	$295,000	$295,000	$3,609	3.60%
Asian Indian	1	$175,000	$175,000	$0	4.10%

Approval Rates

Total approvals of all applications
95.43%

First Keystone Community Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
92.03%

First Keystone Community Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	627	$108,655,000	$173,293

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	627	$108,655,000	$173,293

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	56	$4,360,000	$77,857	$1,070	3.35%
40-60%	96	$15,670,000	$163,229	$2,396	3.34%
60-80%	376	$71,940,000	$191,330	$3,390	3.71%
80-100%	71	$15,585,000	$219,507	$4,334	3.16%
Under 20%	28	$1,100,000	$39,286	$510	3.56%

Complaints

Bank Name	Product	Issue	2021 CPFB Complaints	% of Total Issues
FIRST COMMUNITY MORTGAGE, INC.	Conventional home mortgage	Trouble during payment process	4	66.7%
FIRST COMMUNITY MORTGAGE, INC.	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	1	16.7%
FIRST COMMUNITY MORTGAGE, INC.	Conventional home mortgage	Struggling to pay mortgage	1	16.7%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
First Keystone Community Bank	1049 Bloom Road Danville, PA 17821	Full Service B&M	$17,410
First Keystone Community Bank	107 South Main Street Shickshinny, PA 18655	Full Service B&M	$24,694
First Keystone Community Bank	111 West Front Street Berwick, PA 18603	Full Service B&M	$246,342
First Keystone Community Bank	1154 Route 390 Cresco, PA 18326	Full Service B&M	$26,099
First Keystone Community Bank	1540 Sans Souci Highway Hanover Township, PA 18706	Full Service B&M	$41,051
First Keystone Community Bank	18 North Mountain Boulevard Mountain Top, PA 18707	Full Service B&M	$54,491
First Keystone Community Bank	2022 Route 209 Brodheadsville, PA 18322	Full Service B&M	$16,743
First Keystone Community Bank	2070 Route 611 Swiftwater, PA 18370	Full Service B&M	$84,308
First Keystone Community Bank	2301 Columbia Blvd Bloomsburg, PA 17815	Full Service B&M	$82,699
First Keystone Community Bank	2325 Memorial Highway Dallas, PA 18612	Full Service B&M	$11,686
First Keystone Community Bank	299 Wyoming Avenue Kingston, PA 18704	Full Service B&M	$52,986
First Keystone Community Bank	400 Fowler Avenue Berwick, PA 18603	Full Service B&M	$67,926
First Keystone Community Bank	437 West Third Street Nescopeck, PA 18635	Full Service B&M	$37,357
First Keystone Community Bank	463 West Main Street Plymouth, PA 18651	Full Service B&M	$10,619
First Keystone Community Bank	50 Briar Creek Plaza Berwick, PA 18603	Full Service Retail	$21,410
First Keystone Community Bank	559 Main Street Stroudsburg, PA 18360	Full Service B&M	$211,320
First Keystone Community Bank	701 Freas Avenue Berwick, PA 18603	Full Service B&M	$45,612
First Keystone Community Bank	Third And Race Streets Mifflinville, PA 18631	Full Service B&M	$25,168

For 2021, First Keystone Community Bank had 18 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$42,089
Net interest income	$37,992
Total noninterest income	$6,862
Gross Fiduciary activities income	$1,012
Service charges on deposit accounts	$1,306
Trading account gains and fees	$0
Additional Noninterest Income	$4,544
Pre-tax net operating income	$17,862
Securities gains (or losses, -)	$0
Income before extraordinary items	$15,355
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$15,355
Minority interest net income	$0
Net income	$15,355
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$15,355

First Keystone Community Bank's gross interest income from loans was $42,089,000.
First Keystone Community Bank's net interest income from loans was $37,992,000.
First Keystone Community Bank's fee based income from loans was $1,306,000.
First Keystone Community Bank's net income from loans was $15,355,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$4,097
Provision for credit losses	$860
Total noninterest expense	$26,132
Salaries and employee benefits	$14,026
Premises and equipment expense	$2,591
Additional noninterest expense	$9,515
Applicable income taxes	$2,507
Net charge-offs	$113
Cash dividends	$6,043

First Keystone Community Bank's interest expense for loans was $4,097,000.
First Keystone Community Bank's payroll and benefits expense were $14,026,000.
First Keystone Community Bank's property, plant and equipment expenses $2,591,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	3.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	1.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,092,340
Deposits held in domestic offices	$1,092,340
Deposits by Individuals, partnerships, and corporations	$790,035
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$302,305
Deposits by Commercial banks and other depository institutions in U.S.	$0
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$644,657
Demand deposits	$278,040
Nontransaction accounts	$447,683
Money market deposit accounts (MMDAs)	$113,818
Other savings deposits (excluding MMDAs)	$160,773
Total time deposits	$173,092
Total time and savings deposits	$814,300
Noninterest-bearing deposits	$249,624
Interest-bearing deposits	$842,716
Retail deposits	$1,059,556
IRAs and Keogh plan accounts	$41,160
Brokered deposits	$20,000
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,317,494
Cash & Balances due from depository institutions	$61,585
Interest-bearing balances	$52,096
Total securities	$437,916
Federal funds sold & reverse repurchase	$0
Net loans and leases	$744,161
Loan and leases loss allowance	$8,680
Trading account assets	$0
Bank premises and fixed assets	$19,078
Other real estate owned	$0
Goodwill and other intangibles	$19,500
All other assets	$35,254

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,317,494
Total Liabilities	$1,159,819
Total deposits	$1,092,340
Interest-bearing deposits	$842,716
Deposits held in domestic offices	$1,092,340
% insured (estimated)	$55
Federal funds purchased and repurchase agreements	$27,377
Trading liabilities	$0
Other borrowed funds	$35,016
Subordinated debt	$0
All other liabilities	$5,086

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$744,161
Loan and leases loss allowance	$8,680
Total loans and leases (domestic)	$752,841
All real estate loans	$663,593
Real estate loans in domestic offices	$663,593
Construction and development loans	$28,269
Residential 1-4 family construction	$1,708
Other construction, all land development and other land	$26,561
Loans secured by nonfarm nonresidential properties	$300,680
Nonfarm nonresidential secured by owner-occupied properties	$195,345
Commercial real estate & other non-farm, non-residential	$105,335
Multifamily residential real estate	$77,783
1-4 family residential loans	$253,652
Farmland loans	$3,209
Loans held in foreign offices	$0
Farm loans	$781
Commercial and industrial loans	$55,073
To non-U.S. addressees	$0
Loans to individuals	$5,286
Credit card loans	$0
Related Plans	$844
Consumer Auto Loans	$727
Other loans to individuals	$3,715
All other loans & leases	$28,108
Loans to foreign governments and official institutions	$0
Other loans	$0
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$1,643
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$6,435
Non 1-4 family restructured loans & leases	$6,061
Total loans and leases (foreign)	$0

First Keystone Community Bank had $744,161,000 of loans outstanding in 2021. $663,593,000 of loans were in real estate loans. $28,269,000 of loans were in development loans. $77,783,000 of loans were in multifamily mortgage loans. $253,652,000 of loans were in 1-4 family mortgage loans. $781,000 of loans were in farm loans. $0 of loans were in credit card loans. $727,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	600	$133,414	$222,357
Nonfarm, nonresidential loans - <$100k	134	$5,688	$42,448
Nonfarm, nonresidential loans - $100-250k	213	$27,303	$128,183
Nonfarm, nonresidential loans - $250k-1MM	253	$100,423	$396,929
Commercial & Industrial, US addressed loans - <$1MM	432	$30,009	$69,465
Commercial & Industrial, US addressed loans - <$100k	324	$8,949	$27,620
Commercial & Industrial, US addressed loans - $100-250k	67	$7,494	$111,851
Commercial & Industrial, US addressed loans - $250k-1MM	41	$13,566	$330,878
Farmland loans - <$1MM	11	$1,505	$136,818
Farmland loans - <$100k	3	$156	$52,000
Farmland loans - $100-250k	7	$950	$135,714
Farmland loans - $250k-1MM	1	$399	$399,000
Agriculture operations loans - <$1MM	8	$781	$97,625
Agriculture operations loans - <$100k	5	$105	$21,000
Agriculture operations loans - $100-250k	2	$367	$183,500
Agriculture operations loans - $250k-1MM	1	$309	$309,000