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

Bloomsburg, PA

LEI: 549300C0SKCK5G4RX330

Tax ID: 24-0528723

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)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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. They have a low ratio of USDA loans. Their top markets by origination volume include: Bloomsburg, Sunbury, Scranton, Lewisburg, and Pottsville among others. We have data for 12 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 a below 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.82% 4/28/24
    30 Year Conventional Refi 6.88% 4/28/24
    30 Year Cash-out Refi 6.95% 4/28/24
    30 Year VA Purchase 6.27% 4/28/24
    30 Year VA Refi 6.67% 4/28/24
    30 Year USDA Purchase 6.27% 4/28/24
    15 Year Conventional Purchase 6.67% 4/28/24
    15 Year Conventional Refi 6.40% 4/28/24
    15 Year Cash-out Refi 6.40% 4/28/24
    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 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

    495

    Origination Dollar Volume (All Markets)

    $76,585,000

    Employee count

    171 Show all (7) 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
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 357 $55,205,000 $154,636 $2,058 4.64%
    Sunbury, PA (FHA|USDA|VA) 51 $7,885,000 $154,608 $2,135 4.62%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 51 $5,945,000 $116,569 $2,244 4.85%
    Lewisburg, PA (FHA|USDA|VA) 13 $3,355,000 $258,077 $3,739 4.54%
    Pottsville, PA (FHA|USDA|VA) 8 $1,530,000 $191,250 $4,384 4.57%
    Selinsgrove, PA (FHA|USDA|VA) 3 $1,025,000 $341,667 $3,379 3.95%
    Outside of Metro Areas 5 $505,000 $101,000 $2,028 4.97%
    WILLIAMSPORT, PA (FHA|USDA|VA) 3 $365,000 $121,667 $2,068 4.76%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $335,000 $335,000 $3,671 4.13%
    LANCASTER, PA (FHA|USDA|VA) 1 $185,000 $185,000 $2,767 4.13%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $2,594 4.25%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.95%
    First Columbia Bank & Trust Co.'s top markets include Bloomsburg, Sunbury, Scranton, Lewisburg, 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 Columbia Bank & Trust Co. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PHILADELPHIA
    Similarity Rank: 90
    The Ephrata National Bank
    Similarity Rank: 92
    ESSA Bank & Trust
    Similarity Rank: 150
    The Honesdale National Bank
    Similarity Rank: 153
    SERVICE 1ST
    Similarity Rank: 154
    The Luzerne Bank
    Similarity Rank: 216
    Peoples Security Bank and Trust Company
    Similarity Rank: 330
    PENNSYLVANIA STATE EMPLOYEES Credit Union
    Similarity Rank: 418
    First Columbia Bank & Trust Co.
    Similarity Rank: 444
    NBT Bank
    Similarity Rank: 702

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 468 $73,000,000 $155,983 $2,030 4.63%
    USDA 21 $2,495,000 $118,810 $4,155 4.83%
    VA 6 $1,090,000 $181,667 $6,424 5.21%

    For 2018, First Columbia Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 468 originations. Their 2nd most popular type was USDA, with 21 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 297 $58,045,000 $195,438 $3,030 4.65%
    Refi 83 $7,935,000 $95,602 $776 4.70%
    Home Improvement 42 $2,530,000 $60,238 $605 4.53%
    Cash Out Refi 42 $6,760,000 $160,952 $2,282 4.61%
    Other 31 $1,315,000 $42,419 $287 4.74%

    For 2018, First Columbia Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 297 originations. The 2nd most popular reason was Refi, with 83 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 215 $35,365,000 $164,488 $2,770 4.63%
    15 Year 127 $9,485,000 $74,685 $787 4.74%
    20 Year 52 $8,590,000 $165,192 $2,274 4.93%
    30+ year 43 $11,915,000 $277,093 $4,912 4.33%
    10 Year 21 $895,000 $42,619 $342 4.67%
    Other 20 $9,580,000 $479,000 $1,067 4.79%
    5 Year 16 $630,000 $39,375 $301 3.89%
    1 Year 1 $125,000 $125,000 $0 5.50%

    For 2018, First Columbia Bank & Trust Co.'s most frequently cited loan duration was 30 Year, with 215 originations. The 2nd most popular length was 15 Year, with 127 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 412 $55,870,000 $135,607
    $1k-2k 11 $1,645,000 $149,545
    $2k-3k 6 $1,470,000 $245,000
    $3k-4k 5 $1,485,000 $297,000
    $4k-5k 1 $155,000 $155,000

    First Columbia Bank & Trust Co.'s average total fees were $2,770, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 412 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 299 $49,225,000 $164,632
    5-6% 98 $10,510,000 $107,245
    3-4% 89 $16,185,000 $181,854
    6-7% 8 $620,000 $77,500
    7-8% 1 $45,000 $45,000

    During 2018, First Columbia Bank & Trust Co.'s average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 4-5%, with 299 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 220 $12,660,000 $57,545 $1,023 4.77%
    $100k-200k 168 $23,860,000 $142,024 $2,397 4.67%
    $200k-400k 94 $25,650,000 $272,872 $4,037 4.38%
    $400k-600k 8 $3,750,000 $468,750 $4,564 4.38%
    $1MM+ 3 $9,395,000 $3,131,667 $0 4.50%
    $600k-1MM 2 $1,270,000 $635,000 $6,364 4.04%

    2018 saw First Columbia Bank & Trust Co. place emphasis on $100,000 or less loans with 220 originations, totaling $12,660,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 129 $17,355,000 $134,535 $2,438 4.55%
    $50k or less 102 $7,810,000 $76,569 $1,456 4.72%
    $100k-150k 77 $13,415,000 $174,221 $2,519 4.55%
    $75k-100k 77 $10,435,000 $135,519 $2,124 4.67%
    $150k-250k 43 $7,885,000 $183,372 $2,518 4.60%
    $250k+ 28 $6,520,000 $232,857 $2,907 4.53%

    First Columbia Bank & Trust Co. lent most frequently to those with incomes in the $50k-75k range, with 129 originations. The second most popular income band? $50k or less, with 102 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 130 $18,920,000 $145,538 $2,288 4.62%
    30-36% 105 $14,165,000 $134,905 $2,217 4.66%
    <20% 69 $8,175,000 $118,478 $1,709 4.52%
    36% 19 $2,865,000 $150,789 $3,075 4.87%
    39% 18 $2,650,000 $147,222 $2,669 4.61%
    37% 18 $2,920,000 $162,222 $2,410 4.59%
    41% 16 $2,230,000 $139,375 $2,265 4.44%
    38% 16 $1,510,000 $94,375 $1,552 4.49%
    40% 16 $2,030,000 $126,875 $1,935 4.60%
    42% 10 $2,090,000 $209,000 $2,485 4.62%
    43% 6 $870,000 $145,000 $1,446 4.31%
    50-60% 5 $905,000 $181,000 $2,595 4.38%
    >60% 2 $550,000 $275,000 $3,319 4.10%
    46% 1 $325,000 $325,000 $3,628 5.13%
    48% 1 $175,000 $175,000 $2,522 4.13%
    45% 1 $115,000 $115,000 $2,125 3.95%
    44% 1 $115,000 $115,000 $2,439 5.13%

    First Columbia Bank & Trust Co. lent most frequently to those with DTI ratios of 20-30%, with 130 originations. The next most common DTI ratio? 30-36%, with 105 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 447 $60,145,000 $134,553 $2,155 4.64%
    Not applicable 22 $11,030,000 $501,364 $0 5.09%
    Asian 15 $2,675,000 $178,333 $2,707 4.43%
    Black 7 $2,025,000 $289,286 $3,139 4.79%
    Not provided 3 $565,000 $188,333 $3,100 3.75%
    American Indian 1 $145,000 $145,000 $5,314 4.88%

    Approval Rates

    Total approvals of all applications
    93.13%

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

    Pick Rate

    Approvals leading to origination
    88.08%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 495 $76,585,000 $154,717

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 13 $11,555,000 $888,846
    Single Family (1-4 Units):Manufactured 8 $440,000 $55,000
    Single Family (1-4 Units):Site-Built 474 $64,590,000 $136,266

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $5,800,000 $82,857 $538 4.77%
    40-60% 53 $5,845,000 $110,283 $1,604 4.72%
    60-80% 144 $30,310,000 $210,486 $2,651 4.72%
    80-100% 177 $32,125,000 $181,497 $2,975 4.54%
    Over 100% 5 $905,000 $181,000 $6,794 4.98%
    Under 20% 46 $1,600,000 $34,783 $307 4.56%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 3 21.4%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 5 35.7%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Columbia Bank & Trust Co. 1010 South Market Street Bloomsburg, PA 17815 Limited, Drive-thru $8,381
    First Columbia Bank & Trust Co. 119 Northumberland Drive, Ralpho Township Elysburg, PA 17824 Full Service B&M $31,337
    First Columbia Bank & Trust Co. 1199 Lightstreet Road Bloomsburg, PA 17815 Full Service B&M $42,483
    First Columbia Bank & Trust Co. 125 South State Street Millville, PA 17846 Full Service B&M $29,423
    First Columbia Bank & Trust Co. 1919 West Front Street Berwick, PA 18603 Full Service B&M $22,896
    First Columbia Bank & Trust Co. 200 Market Street Benton, PA 17814 Full Service B&M $78,010
    First Columbia Bank & Trust Co. 232 East Street Bloomsburg, PA 17815 Full Service B&M $140,341
    First Columbia Bank & Trust Co. 2691 Columbia Blvd, Route 11 Bloomsburg, PA 17815 Full Service B&M $55,694
    First Columbia Bank & Trust Co. 279 Columbia Mall Drive Hemlock Township, PA 17815 Full Service B&M $35,983
    First Columbia Bank & Trust Co. 300 Market Street Berwick, PA 18603 Full Service B&M $20,001
    First Columbia Bank & Trust Co. 347 Main Street Catawissa, PA 17820 Full Service B&M $29,392
    First Columbia Bank & Trust Co. 402 Main Street Orangeville, PA 17859 Limited, Drive-thru $22,943
    First Columbia Bank & Trust Co. 710 Walnut Street Danville, PA 17821 Full Service B&M $3,632
    First Columbia Bank & Trust Co. Wal-Mart Supercenter, 100 Lunger Drive Bloomsburg, PA 17815 Limited, Drive-thru $9,355

    For 2018, First Columbia Bank & Trust Co. had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $24,698
    Net interest income $20,845
    Total noninterest income $6,386
    Gross Fiduciary activities income $726
    Service charges on deposit accounts $1,429
    Trading account gains and fees $0
    Additional Noninterest Income $4,231
    Pre-tax net operating income $9,525
    Securities gains (or losses, -) $0
    Income before extraordinary items $8,134
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $8,134
    Minority interest net income $0
    Net income $8,134
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,134

    First Columbia Bank & Trust Co.'s gross interest income from loans was $24,698,000.
    First Columbia Bank & Trust Co.'s net interest income from loans was $20,845,000.
    First Columbia Bank & Trust Co.'s fee based income from loans was $1,429,000.
    First Columbia Bank & Trust Co.'s net income from loans was $8,134,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,853
    Provision for credit losses $620
    Total noninterest expense $17,086
    Salaries and employee benefits $9,593
    Premises and equipment expense $1,818
    Additional noninterest expense $5,675
    Applicable income taxes $1,391
    Net charge-offs $271
    Cash dividends $3,215

    First Columbia Bank & Trust Co.'s interest expense for loans was $3,853,000.
    First Columbia Bank & Trust Co.'s payroll and benefits expense were $9,593,000.
    First Columbia Bank & Trust Co.'s property, plant and equipment expenses $1,818,000.

    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 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    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 $517,033
    Deposits held in domestic offices $517,033
    Deposits by Individuals, partnerships, and corporations $493,994
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $23,039
    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 $38,783
    Demand deposits $23,476
    Nontransaction accounts $478,251
    Money market deposit accounts (MMDAs) $35,757
    Other savings deposits (excluding MMDAs) $294,690
    Total time deposits $147,803
    Total time and savings deposits $493,558
    Noninterest-bearing deposits $115,559
    Interest-bearing deposits $401,474
    Retail deposits $500,588
    IRAs and Keogh plan accounts $34,598
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $722,129
    Cash & Balances due from depository institutions $12,224
    Interest-bearing balances $165
    Total securities $176,254
    Federal funds sold & reverse repurchase $293
    Net loans and leases $479,588
    Loan and leases loss allowance $7,250
    Trading account assets $0
    Bank premises and fixed assets $13,430
    Other real estate owned $145
    Goodwill and other intangibles $8,971
    All other assets $31,224

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $722,129
    Total Liabilities $633,575
    Total deposits $517,033
    Interest-bearing deposits $401,474
    Deposits held in domestic offices $517,033
    % insured (estimated) $92
    Federal funds purchased and repurchase agreements $99,786
    Trading liabilities $0
    Other borrowed funds $14,072
    Subordinated debt $0
    All other liabilities $2,684

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $479,588
    Loan and leases loss allowance $7,250
    Total loans and leases (domestic) $486,838
    All real estate loans $414,255
    Real estate loans in domestic offices $414,255
    Construction and development loans $28,000
    Residential 1-4 family construction $6,432
    Other construction, all land development and other land $21,568
    Loans secured by nonfarm nonresidential properties $104,785
    Nonfarm nonresidential secured by owner-occupied properties $50,382
    Commercial real estate & other non-farm, non-residential $54,403
    Multifamily residential real estate $22,316
    1-4 family residential loans $245,206
    Farmland loans $13,948
    Loans held in foreign offices $0
    Farm loans $2,496
    Commercial and industrial loans $26,837
    To non-U.S. addressees $0
    Loans to individuals $5,542
    Credit card loans $0
    Related Plans $999
    Consumer Auto Loans $1,063
    Other loans to individuals $3,480
    All other loans & leases $37,708
    Loans to foreign governments and official institutions $0
    Other loans $129
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $84
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,298
    Non 1-4 family restructured loans & leases $2,263
    Total loans and leases (foreign) $0

    First Columbia Bank & Trust Co. had $479,588,000 of loans outstanding in 2018. $414,255,000 of loans were in real estate loans. $28,000,000 of loans were in development loans. $22,316,000 of loans were in multifamily mortgage loans. $245,206,000 of loans were in 1-4 family mortgage loans. $2,496,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,063,000 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 305 $55,710 $182,656
    Nonfarm, nonresidential loans - <$100k 86 $3,339 $38,826
    Nonfarm, nonresidential loans - $100-250k 106 $12,316 $116,189
    Nonfarm, nonresidential loans - $250k-1MM 113 $40,055 $354,469
    Commercial & Industrial, US addressed loans - <$1MM 455 $22,595 $49,659
    Commercial & Industrial, US addressed loans - <$100k 359 $7,076 $19,710
    Commercial & Industrial, US addressed loans - $100-250k 51 $4,986 $97,765
    Commercial & Industrial, US addressed loans - $250k-1MM 45 $10,533 $234,067
    Farmland loans - <$1MM 50 $7,554 $151,080
    Farmland loans - <$100k 15 $572 $38,133
    Farmland loans - $100-250k 16 $2,016 $126,000
    Farmland loans - $250k-1MM 19 $4,966 $261,368
    Agriculture operations loans - <$1MM 48 $2,496 $52,000
    Agriculture operations loans - <$100k 38 $1,131 $29,763
    Agriculture operations loans - $100-250k 10 $1,365 $136,500