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 and Refi 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, Scranton, Sunbury, Lewisburg, and Williamsport among others. We have data for 13 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.

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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

    716

    Origination Dollar Volume (All Markets)

    $112,970,000

    Employee count

    171 Show all (5) 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) 506 $78,520,000 $155,178 $2,853 3.56%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 83 $13,175,000 $158,735 $2,769 3.66%
    Sunbury, PA (FHA|USDA|VA) 67 $10,485,000 $156,493 $3,349 3.69%
    Lewisburg, PA (FHA|USDA|VA) 18 $3,690,000 $205,000 $3,254 3.41%
    WILLIAMSPORT, PA (FHA|USDA|VA) 12 $2,160,000 $180,000 $3,623 3.71%
    Pottsville, PA (FHA|USDA|VA) 9 $1,535,000 $170,556 $3,889 3.29%
    Selinsgrove, PA (FHA|USDA|VA) 6 $1,310,000 $218,333 $4,052 3.37%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $865,000 $123,571 $4,566 4.43%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $385,000 $385,000 $4,117 2.75%
    Outside of Metro Areas 3 $345,000 $115,000 $3,868 4.17%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $270,000 $135,000 $0 4.50%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,133 2.88%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.00%
    First Columbia Bank & Trust Co.'s top markets include Bloomsburg, Scranton, Sunbury, Lewisburg, and Williamsport among others.

    Their top states include:
  • Pennsylvania (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.

    Susquehanna Community Bank
    Similarity Rank: 80
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    Similarity Rank: 420
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    Similarity Rank: 676
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    Similarity Rank: 918

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 688 $108,250,000 $157,340 $2,825 3.61%
    USDA 20 $3,070,000 $153,500 $4,895 3.14%
    VA 8 $1,650,000 $206,250 $6,776 3.13%

    For 2020, First Columbia Bank & Trust Co.'s most frequently originated type of loan was Conventional, with 688 originations. Their 2nd most popular type was USDA, with 20 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 320 $55,460,000 $173,313 $3,776 3.70%
    Refi 259 $39,915,000 $154,112 $2,483 3.40%
    Cash Out Refi 87 $14,785,000 $169,943 $3,008 3.37%
    Other 28 $1,440,000 $51,429 $537 4.31%
    Home Improvement 22 $1,370,000 $62,273 $409 4.24%

    For 2020, First Columbia Bank & Trust Co.'s most frequently cited loan purpose was Home Purchase, with 320 originations. The 2nd most popular reason was Refi, with 259 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 317 $57,405,000 $181,088 $3,536 3.44%
    15 Year 175 $23,845,000 $136,257 $1,940 3.43%
    20 Year 125 $17,495,000 $139,960 $3,087 4.09%
    10 Year 29 $3,115,000 $107,414 $2,201 3.21%
    30+ year 29 $7,725,000 $266,379 $5,195 3.93%
    5 Year 22 $790,000 $35,909 $269 3.90%
    Other 17 $2,475,000 $145,588 $1,953 4.12%
    3 Year 2 $120,000 $60,000 $328 3.50%

    For 2020, First Columbia Bank & Trust Co.'s most frequently cited loan duration was 30 Year, with 317 originations. The 2nd most popular length was 15 Year, with 175 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 600 $95,580,000 $159,300
    $1k-2k 14 $2,570,000 $183,571
    $2k-3k 4 $970,000 $242,500
    $3k-4k 1 $325,000 $325,000

    First Columbia Bank & Trust Co.'s average total fees were $3,536, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 600 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 254 $43,860,000 $172,677
    2.5-3% 217 $37,215,000 $171,498
    4-5% 182 $23,420,000 $128,681
    <2.5% 34 $5,900,000 $173,529
    5-6% 26 $2,430,000 $93,462
    6-7% 3 $145,000 $48,333

    During 2020, First Columbia Bank & Trust Co.'s average interest rate for loans was 3.44%, while their most frequently originated rate bucket for loans was 3-4%, with 254 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 319 $46,125,000 $144,592 $3,002 3.48%
    $100,000 or less 206 $12,560,000 $60,971 $1,561 3.97%
    $200k-400k 176 $46,860,000 $266,250 $4,078 3.32%
    $400k-600k 14 $6,460,000 $461,429 $5,388 3.75%
    $600k-1MM 1 $965,000 $965,000 $0 4.50%

    2020 saw First Columbia Bank & Trust Co. place emphasis on $100k-200k loans with 319 originations, totaling $46,125,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 154 $19,790,000 $128,506 $2,757 3.48%
    $100k-150k 137 $26,125,000 $190,693 $3,296 3.36%
    $50k or less 116 $11,530,000 $99,397 $2,520 3.50%
    $75k-100k 116 $18,810,000 $162,155 $2,942 3.48%
    $150k-250k 73 $17,235,000 $236,096 $3,388 3.51%
    $250k+ 26 $5,800,000 $223,077 $3,287 3.51%

    First Columbia Bank & Trust Co. lent most frequently to those with incomes in the $50k-75k range, with 154 originations. The second most popular income band? $100k-150k, with 137 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 201 $31,105,000 $154,751 $2,890 3.38%
    30-36% 138 $22,680,000 $164,348 $3,071 3.50%
    <20% 113 $18,195,000 $161,018 $2,824 3.20%
    41% 26 $3,630,000 $139,615 $2,399 3.71%
    37% 22 $3,240,000 $147,273 $2,881 3.66%
    39% 22 $3,580,000 $162,727 $3,297 3.62%
    36% 20 $3,190,000 $159,500 $3,064 3.37%
    38% 19 $3,535,000 $186,053 $3,110 3.58%
    40% 19 $3,095,000 $162,895 $3,010 3.72%
    42% 19 $3,585,000 $188,684 $3,355 3.29%
    43% 11 $1,645,000 $149,545 $2,815 3.65%
    50-60% 3 $795,000 $265,000 $4,229 4.62%
    44% 1 $105,000 $105,000 $2,706 3.25%
    46% 1 $125,000 $125,000 $2,721 3.99%
    48% 1 $195,000 $195,000 $125 4.13%
    49% 1 $485,000 $485,000 $5,172 2.88%
    >60% 1 $225,000 $225,000 $3,797 3.99%

    First Columbia Bank & Trust Co. lent most frequently to those with DTI ratios of 20-30%, with 201 originations. The next most common DTI ratio? 30-36%, with 138 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 613 $96,795,000 $157,904 $2,918 3.51%
    Not applicable 61 $8,365,000 $137,131 $0 4.63%
    Asian 17 $3,935,000 $231,471 $4,067 3.20%
    Not provided 20 $3,250,000 $162,500 $2,999 3.19%
    Black 3 $355,000 $118,333 $3,149 4.46%
    Native Hawaiian or Islander 1 $155,000 $155,000 $3,173 2.88%
    Korean 1 $115,000 $115,000 $153 3.70%

    Approval Rates

    Total approvals of all applications
    92.66%

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

    Pick Rate

    Approvals leading to origination
    90.64%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 716 $112,970,000 $157,779

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 19 $4,555,000 $239,737
    Single Family (1-4 Units):Manufactured 7 $425,000 $60,714
    Single Family (1-4 Units):Site-Built 690 $107,990,000 $156,507

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 77 $6,625,000 $86,039 $1,365 3.88%
    40-60% 111 $15,315,000 $137,973 $2,453 3.55%
    60-80% 265 $46,865,000 $176,849 $3,172 3.51%
    80-100% 219 $41,965,000 $191,621 $3,709 3.51%
    Over 100% 4 $870,000 $217,500 $8,167 3.25%
    Under 20% 40 $1,330,000 $33,250 $574 4.16%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%

    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 $9,159
    First Columbia Bank & Trust Co. 119 Northumberland Drive, Ralpho Township, Northumberland Drive Elysburg, PA 17824 Full Service B&M $41,522
    First Columbia Bank & Trust Co. 1199 Lightstreet Road Bloomsburg, PA 17815 Full Service B&M $39,959
    First Columbia Bank & Trust Co. 125 South State Street Millville, PA 17846 Full Service B&M $34,339
    First Columbia Bank & Trust Co. 1919 West Front Street Berwick, PA 18603 Full Service B&M $21,504
    First Columbia Bank & Trust Co. 200 Market Street Benton, PA 17814 Full Service B&M $91,711
    First Columbia Bank & Trust Co. 232 East Street Bloomsburg, PA 17815 Full Service B&M $163,591
    First Columbia Bank & Trust Co. 2691 Columbia Blvd, Route 11 Bloomsburg, PA 17815 Full Service B&M $60,158
    First Columbia Bank & Trust Co. 279 Columbia Mall Drive Hemlock Township, PA 17815 Full Service B&M $45,315
    First Columbia Bank & Trust Co. 300 Market Street Berwick, PA 18603 Full Service B&M $23,228
    First Columbia Bank & Trust Co. 347 Main Street Catawissa, PA 17820 Full Service B&M $29,935
    First Columbia Bank & Trust Co. 402 Main Street Orangeville, PA 17859 Limited, Drive-thru $23,274
    First Columbia Bank & Trust Co. 710 Walnut Street Danville, PA 17821 Full Service B&M $11,121
    First Columbia Bank & Trust Co. Wal-Mart Supercenter, 100 Lunger Drive Bloomsburg, PA 17815 Limited, Drive-thru $11,343

    For 2020, First Columbia Bank & Trust Co. had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $24,891
    Net interest income $21,867
    Total noninterest income $8,115
    Gross Fiduciary activities income $826
    Service charges on deposit accounts $1,106
    Trading account gains and fees $0
    Additional Noninterest Income $6,183
    Pre-tax net operating income $11,667
    Securities gains (or losses, -) $0
    Income before extraordinary items $9,626
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,626
    Minority interest net income $0
    Net income $9,626
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,626

    First Columbia Bank & Trust Co.'s gross interest income from loans was $24,891,000.
    First Columbia Bank & Trust Co.'s net interest income from loans was $21,867,000.
    First Columbia Bank & Trust Co.'s fee based income from loans was $1,106,000.
    First Columbia Bank & Trust Co.'s net income from loans was $9,626,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,024
    Provision for credit losses $1,055
    Total noninterest expense $17,260
    Salaries and employee benefits $9,891
    Premises and equipment expense $1,862
    Additional noninterest expense $5,507
    Applicable income taxes $2,041
    Net charge-offs $-11
    Cash dividends $3,325

    First Columbia Bank & Trust Co.'s interest expense for loans was $3,024,000.
    First Columbia Bank & Trust Co.'s payroll and benefits expense were $9,891,000.
    First Columbia Bank & Trust Co.'s property, plant and equipment expenses $1,862,000.

    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 $634,345
    Deposits held in domestic offices $634,345
    Deposits by Individuals, partnerships, and corporations $612,149
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $22,196
    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 $52,537
    Demand deposits $30,093
    Nontransaction accounts $581,808
    Money market deposit accounts (MMDAs) $43,944
    Other savings deposits (excluding MMDAs) $394,433
    Total time deposits $143,431
    Total time and savings deposits $604,252
    Noninterest-bearing deposits $157,422
    Interest-bearing deposits $476,923
    Retail deposits $616,743
    IRAs and Keogh plan accounts $32,651
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $851,174
    Cash & Balances due from depository institutions $108,394
    Interest-bearing balances $89,700
    Total securities $207,259
    Federal funds sold & reverse repurchase $951
    Net loans and leases $480,829
    Loan and leases loss allowance $9,120
    Trading account assets $0
    Bank premises and fixed assets $14,268
    Other real estate owned $0
    Goodwill and other intangibles $9,304
    All other assets $30,169

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $851,174
    Total Liabilities $750,602
    Total deposits $634,345
    Interest-bearing deposits $476,923
    Deposits held in domestic offices $634,345
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $111,595
    Trading liabilities $0
    Other borrowed funds $1,001
    Subordinated debt $0
    All other liabilities $3,661

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $480,829
    Loan and leases loss allowance $9,120
    Total loans and leases (domestic) $489,949
    All real estate loans $407,343
    Real estate loans in domestic offices $407,343
    Construction and development loans $19,065
    Residential 1-4 family construction $5,660
    Other construction, all land development and other land $13,405
    Loans secured by nonfarm nonresidential properties $106,780
    Nonfarm nonresidential secured by owner-occupied properties $54,928
    Commercial real estate & other non-farm, non-residential $51,852
    Multifamily residential real estate $29,362
    1-4 family residential loans $239,064
    Farmland loans $13,072
    Loans held in foreign offices $0
    Farm loans $2,712
    Commercial and industrial loans $44,396
    To non-U.S. addressees $0
    Loans to individuals $5,141
    Credit card loans $0
    Related Plans $668
    Consumer Auto Loans $980
    Other loans to individuals $3,493
    All other loans & leases $30,357
    Loans to foreign governments and official institutions $0
    Other loans $54
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $74
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,251
    Non 1-4 family restructured loans & leases $463
    Total loans and leases (foreign) $0

    First Columbia Bank & Trust Co. had $480,829,000 of loans outstanding in 2020. $407,343,000 of loans were in real estate loans. $19,065,000 of loans were in development loans. $29,362,000 of loans were in multifamily mortgage loans. $239,064,000 of loans were in 1-4 family mortgage loans. $2,712,000 of loans were in farm loans. $0 of loans were in credit card loans. $980,000 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 317 $56,383 $177,864
    Nonfarm, nonresidential loans - <$100k 84 $3,187 $37,940
    Nonfarm, nonresidential loans - $100-250k 121 $14,334 $118,463
    Nonfarm, nonresidential loans - $250k-1MM 112 $38,862 $346,982
    Commercial & Industrial, US addressed loans - <$1MM 881 $34,026 $38,622
    Commercial & Industrial, US addressed loans - <$100k 755 $15,589 $20,648
    Commercial & Industrial, US addressed loans - $100-250k 70 $6,009 $85,843
    Commercial & Industrial, US addressed loans - $250k-1MM 56 $12,428 $221,929
    Farmland loans - <$1MM 62 $8,006 $129,129
    Farmland loans - <$100k 18 $575 $31,944
    Farmland loans - $100-250k 26 $3,274 $125,923
    Farmland loans - $250k-1MM 18 $4,157 $230,944
    Agriculture operations loans - <$1MM 56 $2,704 $48,286
    Agriculture operations loans - <$100k 44 $802 $18,227
    Agriculture operations loans - $100-250k 9 $1,011 $112,333
    Agriculture operations loans - $250k-1MM 3 $891 $297,000