First Columbia Bank & Trust Co. Mortgage Rates, Fees & Info

Bloomsburg, PA

LEI: 549300C0SKCK5G4RX330

Tax ID: 24-0528723

5 stars - Updated: 4/5/25 - out of 5 stars, based on 32 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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 Columbia Bank & Trust Co. is a smaller bank specializing in Home Purchase loans. First Columbia Bank & Trust Co. has a high proportion of conventional loans. Their top markets by origination volume include: Bloomsburg, Williamsport, Lock Haven, Sunbury, and Scranton among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Columbia Bank & Trust Co. 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 Columbia Bank & Trust Co. 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.72% 4/5/25
    30 Year Conventional Purchase 6.47% 4/5/25
    30 Year Conventional Refi 6.43% 4/5/25
    30 Year VA Purchase 6.23% 4/5/25
    30 Year VA Refi 6.72% 4/5/25
    30 Year USDA Purchase 6.58% 4/5/25
    15 Year Conventional Purchase 8.49% 4/5/25
    15 Year Conventional Refi 8.53% 4/5/25
    15 Year Cash-out Refi 8.53% 4/5/25
    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 Columbia Bank & Trust Co. Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from First Columbia Bank & Trust Co.. 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

    1,021

    Origination Dollar Volume (All Markets)

    $164,775,000
    Show all (8) awards

    Relative Rate

    First Columbia Bank & Trust Co.'s average 30 year fixed mortgage rate was 6.73%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.18%.

    Relative Fees (Closing Costs)

    First Columbia Bank & Trust Co.'s average total fees/closing costs for a 30 year fixed rate mortgage were $3,901.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    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
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 317 $57,185,000 $180,394 $3,091 7.09%
    WILLIAMSPORT, PA (FHA|USDA|VA) 395 $56,045,000 $141,886 $3,325 7.04%
    Lock Haven, PA (FHA|USDA|VA) 91 $15,335,000 $168,516 $3,726 7.25%
    Sunbury, PA (FHA|USDA|VA) 85 $12,795,000 $150,529 $3,627 7.05%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 65 $10,835,000 $166,692 $3,211 7.35%
    Lewisburg, PA (FHA|USDA|VA) 15 $3,395,000 $226,333 $4,750 6.94%
    STATE COLLEGE, PA (FHA|USDA|VA) 11 $2,315,000 $210,455 $3,916 7.27%
    Outside of Metro Areas 15 $1,815,000 $121,000 $3,152 7.01%
    Selinsgrove, PA (FHA|USDA|VA) 8 $1,470,000 $183,750 $3,463 6.73%
    Pottsville, PA (FHA|USDA|VA) 5 $535,000 $107,000 $0 7.96%
    Olean, NY (FHA|USDA|VA) 1 $485,000 $485,000 $0 6.90%
    ERIE, PA (FHA|USDA|VA) 2 $470,000 $235,000 $4,158 6.50%
    LEBANON, PA (FHA|USDA|VA) 1 $455,000 $455,000 $5,500 6.63%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $420,000 $210,000 $700 6.50%
    Sayre, PA (FHA|USDA|VA) 1 $405,000 $405,000 $0 7.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $375,000 $125,000 $0 7.75%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $938 7.00%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.50%
    Lewistown, PA (FHA|USDA|VA) 2 $130,000 $65,000 $0 6.75%
    First Columbia Bank & Trust Co.'s top markets include Bloomsburg, Williamsport, Lock Haven, Sunbury, and Scranton among others.

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

    • Similar Lenders

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

    First Keystone Community Bank
    Similarity Rank: 108
    Mortgage America, Inc.
    Similarity Rank: 162
    The Honesdale National Bank
    Similarity Rank: 175
    Peoples Security Bank and Trust Company
    Similarity Rank: 220
    Citizens & Northern Bank
    Similarity Rank: 288
    NET
    Similarity Rank: 324
    Jersey Shore State Bank
    Similarity Rank: 338
    ESSA Bank & Trust
    Similarity Rank: 374
    NBT Bank
    Similarity Rank: 414
    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 684

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 637 $120,425,000 $189,050 $3,164 7.34%
    HELOC 361 $33,565,000 $92,978 n/a 6.74%
    USDA 18 $9,670,000 $537,222 $6,232 5.94%
    VA 5 $1,115,000 $223,000 $5,940 6.18%

    For 2024, First Columbia Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 637 originations. Their 2nd most popular type was HELOC, with 361 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 498 $108,110,000 $217,088 $4,253 7.15%
    Other 231 $18,875,000 $81,710 $596 6.94%
    Refi 182 $28,210,000 $155,000 $1,716 7.01%
    Home Improvement 110 $9,580,000 $87,091 $1,385 7.37%

    For 2024, First Columbia Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 498 originations. The 2nd most popular reason was Other, with 231 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 426 $46,300,000 $108,685 $1,816 6.81%
    30 Year 260 $58,750,000 $225,962 $3,901 6.73%
    20 Year 119 $21,205,000 $178,193 $910 7.80%
    15 Year 62 $5,450,000 $87,903 $1,563 8.67%
    30+ year 54 $19,740,000 $365,556 $5,528 6.76%
    1 Year 54 $10,500,000 $194,444 $623 7.56%
    10 Year 33 $2,345,000 $71,061 $758 8.08%
    5 Year 12 $320,000 $26,667 $398 7.25%
    3 Year 1 $165,000 $165,000 $274 7.25%

    For 2024, First Columbia Bank & Trust Co.'s most frequently cited loan duration was Other, with 426 originations. The 2nd most popular length was 30 Year, with 260 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 338 $61,360,000 $181,538
    $1k-2k 80 $25,160,000 $314,500
    $2k-3k 6 $1,590,000 $265,000
    $3k-4k 3 $1,175,000 $391,667
    $5k+ 3 $1,235,000 $411,667
    $4k-5k 1 $1,505,000 $1,505,000

    First Columbia Bank & Trust Co.'s average total fees were $3,901, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 338 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 619 $105,515,000 $170,460
    7-8% 245 $42,995,000 $175,490
    Over 8% 120 $10,870,000 $90,583
    5-6% 36 $5,180,000 $143,889

    During 2024, First Columbia Bank & Trust Co.'s average interest rate for loans was 6.73%, while their most frequently originated rate bucket for loans was 6-7%, with 619 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 440 $22,910,000 $52,068 $1,414 7.29%
    $100k-200k 318 $46,470,000 $146,132 $3,239 7.02%
    $200k-400k 209 $56,535,000 $270,502 $4,244 6.90%
    $400k-600k 42 $19,790,000 $471,190 $5,621 6.85%
    $600k-1MM 7 $4,925,000 $703,571 $6,639 6.79%
    $1MM+ 5 $14,145,000 $2,829,000 $9,369 7.03%

    2024 saw First Columbia Bank & Trust Co. place emphasis on $100,000 or less loans with 440 originations, totaling $22,910,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 217 $35,515,000 $163,664 $3,396 6.97%
    $50k-75k 168 $16,570,000 $98,631 $3,170 6.88%
    $75k-100k 154 $21,530,000 $139,805 $3,259 6.93%
    $50k or less 120 $9,630,000 $80,250 $2,466 7.34%
    $150k-250k 115 $21,595,000 $187,783 $3,669 6.91%
    $250k+ 61 $18,705,000 $306,639 $4,671 6.94%

    First Columbia Bank & Trust Co. lent most frequently to those with incomes in the $100k-150k range, with 217 originations. The second most popular income band? $50k-75k, with 168 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 171 $20,805,000 $121,667 $2,967 7.00%
    30-36% 162 $30,920,000 $190,864 $3,373 6.88%
    <20% 102 $13,910,000 $136,373 $3,388 6.90%
    41% 40 $5,450,000 $136,250 $3,125 7.18%
    38% 36 $5,270,000 $146,389 $3,215 6.93%
    39% 30 $3,720,000 $124,000 $4,371 6.88%
    40% 29 $3,745,000 $129,138 $4,205 6.89%
    36% 28 $3,830,000 $136,786 $3,060 7.14%
    42% 25 $4,175,000 $167,000 $3,677 6.84%
    37% 23 $4,045,000 $175,870 $4,042 7.06%
    43% 22 $3,160,000 $143,636 $4,312 6.76%
    50-60% 21 $3,935,000 $187,381 $2,540 6.97%
    >60% 15 $2,905,000 $193,667 $3,700 6.70%
    44% 12 $2,820,000 $235,000 $3,702 6.92%
    45% 9 $2,235,000 $248,333 $4,254 6.79%
    48% 7 $935,000 $133,571 $3,095 7.46%
    46% 6 $1,740,000 $290,000 $3,558 6.79%
    47% 6 $940,000 $156,667 $3,531 6.51%
    49% 5 $515,000 $103,000 $1,906 7.20%

    First Columbia Bank & Trust Co. lent most frequently to those with DTI ratios of 20-30%, with 171 originations. The next most common DTI ratio? 30-36%, with 162 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 823 $127,765,000 $155,243 $3,337 6.98%
    Not applicable 153 $30,345,000 $198,333 $0 7.73%
    Not provided 26 $2,900,000 $111,538 $1,891 7.22%
    Black 12 $2,330,000 $194,167 $4,268 6.90%
    Asian 7 $1,435,000 $205,000 $4,069 7.05%

    Approval Rates

    Total approvals of all applications
    96.16%

    First Columbia Bank & Trust Co. 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
    92.16%

    First Columbia Bank & Trust Co. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 7 $285,000 $40,714
    220.0 2 $70,000 $35,000
    NA 1,012 $164,420,000 $162,470

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,021 $164,775,000 $161,386

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 202 $19,200,000 $95,050 $1,284 7.11%
    40-60% 131 $21,635,000 $165,153 $2,976 7.21%
    60-80% 222 $48,570,000 $218,784 $3,204 7.29%
    80-100% 272 $59,130,000 $217,390 $4,264 6.99%
    Over 100% 9 $8,415,000 $935,000 $6,538 6.98%
    Under 20% 185 $7,825,000 $42,297 $528 6.95%