First Citizens Community Bank Mortgage Rates, Fees & Info

Mansfield, PA

LEI: 549300GZN0GWYE1KDB94

Tax ID: 24-0652238

5 stars - Updated: 12/2/24 - out of 5 stars, based on 23 reviews

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

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Mortgage Data

Review & Overview

First Citizens Community Bank is a smaller bank specializing in Home Purchase loans. First Citizens Community Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Philadelphia, Sayre, Ocean City, Dover, and Salisbury among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)

First Citizens 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 Citizens Community Bank is typically an average 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 relatively high 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
30 Year Conventional Purchase 6.82% 12/2/24
30 Year Conventional Refi 6.45% 12/2/24
30 Year Cash-out Refi 6.50% 12/2/24
15 Year Conventional Purchase 6.53% 12/2/24
15 Year Conventional Refi 7.36% 12/2/24
15 Year Cash-out Refi 7.36% 12/2/24
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 Citizens 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 Citizens 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

532

Origination Dollar Volume (All Markets)

$160,320,000

Awards

First Citizens Community Bank FHA Loans silver First Citizens Community Bank 30 Year Conventional Loans gold First Citizens Community Bank 30 Year Conventional Loans silver
Show all (3) awards

Relative Rate

First Citizens Community Bank's average 30 year fixed mortgage rate was 7.07%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.59%.

Relative Fees (Closing Costs)

First Citizens Community Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,204.

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 $9,089.

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
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 209 $90,925,000 $435,048 $7,818 7.12%
Sayre, PA (FHA|USDA|VA) 73 $12,275,000 $168,151 $3,262 7.42%
Outside of Metro Areas 121 $12,075,000 $99,793 $1,727 7.48%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $6,810,000 $1,135,000 $9,955 8.19%
DOVER, DE (FHA|USDA|VA) 9 $6,295,000 $699,444 $8,560 7.40%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $5,045,000 $1,009,000 $3,698 7.75%
Pottsville, PA (FHA|USDA|VA) 23 $3,865,000 $168,043 $4,765 6.92%
STATE COLLEGE, PA (FHA|USDA|VA) 8 $3,170,000 $396,250 $2,842 7.43%
LEBANON, PA (FHA|USDA|VA) 19 $2,765,000 $145,526 $1,734 7.20%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 5 $2,465,000 $493,000 $11,780 7.07%
READING, PA (FHA|USDA|VA) 7 $2,245,000 $320,714 $4,992 7.10%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $1,950,000 $325,000 $10,386 7.12%
LANCASTER, PA (FHA|USDA|VA) 6 $1,840,000 $306,667 $3,861 7.41%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $1,070,000 $267,500 $8,951 8.13%
Lock Haven, PA (FHA|USDA|VA) 3 $965,000 $321,667 $3,376 7.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $805,000 $268,333 $11,382 6.96%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $775,000 $258,333 $3,888 7.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $725,000 $725,000 $5,291 7.99%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $695,000 $695,000 $17,983 7.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $490,000 $245,000 $5,663 7.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $395,000 $395,000 $4,262 7.63%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $390,000 $195,000 $3,605 7.38%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $360,000 $180,000 $0 7.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $305,000 $305,000 $11,516 7.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $295,000 $295,000 $9,883 6.99%
ELMIRA, NY (FHA|USDA|VA) 4 $270,000 $67,500 $0 7.59%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $255,000 $255,000 $5,590 7.50%
GLENS FALLS, NY (FHA|USDA|VA) 1 $215,000 $215,000 $7,726 6.88%
Huntingdon, PA (FHA|USDA|VA) 1 $145,000 $145,000 $2,963 6.99%
Oil City, PA (FHA|USDA|VA) 1 $135,000 $135,000 $6,020 6.50%
BINGHAMTON, NY (FHA|USDA|VA) 1 $135,000 $135,000 $2,568 7.63%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,994 7.99%
Sunbury, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.75%
First Citizens Community Bank's top markets include Philadelphia, Sayre, Ocean City, Dover, and Salisbury among others.

Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Similar Lenders

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

    Republic Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 457 $141,495,000 $309,617 $4,513 7.39%
    FHA 74 $18,490,000 $249,865 $10,134 6.72%
    VA 1 $335,000 $335,000 $12,214 6.75%

    For 2023, First Citizens Community Bank's most frequently originated type of loan was Conventional, with 457 originations. Their 2nd most popular type was FHA, with 74 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 375 $125,035,000 $333,427 $7,116 7.20%
    Home Improvement 52 $5,230,000 $100,577 $1,040 7.62%
    Other 44 $2,170,000 $49,318 $1,142 7.34%
    Cash Out Refi 40 $5,730,000 $143,250 $2,965 7.52%
    Refi 20 $21,820,000 $1,091,000 $4,172 7.62%
    NA 1 $335,000 $335,000 $0 7.38%

    For 2023, First Citizens Community Bank's most frequently cited loan purpose was Home Purchase, with 375 originations. The 2nd most popular reason was Home Improvement, with 52 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 287 $75,505,000 $263,084 $7,204 7.07%
    15 Year 59 $4,475,000 $75,847 $1,283 7.72%
    10 Year 44 $9,140,000 $207,727 $325 7.84%
    5 Year 44 $33,140,000 $753,182 $403 7.08%
    20 Year 42 $9,350,000 $222,619 $3,271 7.31%
    Other 26 $14,760,000 $567,692 $2,225 7.81%
    30+ year 24 $9,660,000 $402,500 $8,014 7.39%
    1 Year 6 $4,290,000 $715,000 $10,247 8.71%

    For 2023, First Citizens Community Bank's most frequently cited loan duration was 30 Year, with 287 originations. The 2nd most popular length was 15 Year, with 59 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 198 $28,040,000 $141,616
    $1k-2k 88 $17,850,000 $202,841
    $2k-3k 44 $11,080,000 $251,818
    $5k+ 43 $18,575,000 $431,977
    $3k-4k 32 $8,900,000 $278,125
    $4k-5k 28 $8,420,000 $300,714

    First Citizens Community Bank's average total fees were $7,204, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 198 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 212 $46,800,000 $220,755
    7-8% 211 $66,625,000 $315,758
    Over 8% 71 $37,145,000 $523,169
    5-6% 37 $5,145,000 $139,054
    3-4% 1 $4,605,000 $4,605,000

    During 2023, First Citizens Community Bank's average interest rate for loans was 7.07%, while their most frequently originated rate bucket for loans was 6-7%, with 212 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 188 $52,960,000 $281,702 $7,259 7.12%
    $100,000 or less 153 $7,245,000 $47,353 $1,153 7.48%
    $100k-200k 126 $18,760,000 $148,889 $5,070 7.21%
    $400k-600k 35 $16,915,000 $483,286 $12,177 7.28%
    $600k-1MM 19 $14,105,000 $742,368 $10,716 7.71%
    $1MM+ 11 $50,335,000 $4,575,909 $15,918 7.84%

    2023 saw First Citizens Community Bank place emphasis on $200k-400k loans with 188 originations, totaling $52,960,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 104 $24,610,000 $236,635 $6,276 7.26%
    $50k-75k 96 $14,680,000 $152,917 $4,448 7.07%
    $75k-100k 79 $15,235,000 $192,848 $5,453 7.11%
    $150k-250k 77 $21,715,000 $282,013 $7,158 7.34%
    $50k or less 75 $6,165,000 $82,200 $3,120 7.23%
    $250k+ 38 $16,880,000 $444,211 $9,022 7.42%

    First Citizens Community Bank lent most frequently to those with incomes in the $100k-150k range, with 104 originations. The second most popular income band? $50k-75k, with 96 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 84 $14,170,000 $168,690 $3,909 7.10%
    30-36% 77 $14,575,000 $189,286 $4,750 7.34%
    49% 31 $8,925,000 $287,903 $8,183 7.08%
    40% 25 $6,135,000 $245,400 $7,419 7.25%
    <20% 23 $2,395,000 $104,130 $2,309 6.99%
    41% 22 $5,010,000 $227,727 $6,273 7.15%
    43% 22 $6,300,000 $286,364 $7,017 7.50%
    39% 18 $3,740,000 $207,778 $5,426 7.48%
    37% 18 $3,460,000 $192,222 $4,802 7.33%
    36% 15 $2,145,000 $143,000 $3,517 7.14%
    38% 14 $2,030,000 $145,000 $4,632 6.76%
    48% 14 $3,880,000 $277,143 $7,312 7.21%
    46% 13 $3,235,000 $248,846 $7,020 7.26%
    44% 13 $3,335,000 $256,538 $7,285 6.86%
    45% 12 $3,000,000 $250,000 $5,516 6.86%
    50-60% 12 $3,190,000 $265,833 $9,457 6.94%
    47% 11 $2,685,000 $244,091 $5,922 7.25%
    42% 10 $4,030,000 $403,000 $7,777 7.29%
    >60% 2 $440,000 $220,000 $3,710 7.75%

    First Citizens 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 77 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 373 $70,855,000 $189,960 $4,371 7.29%
    Not applicable 46 $57,240,000 $1,244,348 $0 8.03%
    Not provided 63 $19,825,000 $314,683 $9,085 7.01%
    Black 42 $9,990,000 $237,857 $8,478 6.90%
    Asian 8 $2,410,000 $301,250 $7,998 7.31%

    Approval Rates

    Total approvals of all applications
    93.66%

    First Citizens Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.21%

    First Citizens Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    50.01 1 $25,000 $25,000
    61.51 2 $70,000 $35,000
    66.11 1 $5,000 $5,000
    NA 528 $160,220,000 $303,447

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    532 $160,320,000 $301,353

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 66 $11,510,000 $174,394 $1,274 7.49%
    40-60% 56 $39,990,000 $714,107 $3,824 7.52%
    60-80% 139 $51,395,000 $369,748 $7,085 7.38%
    80-100% 216 $55,230,000 $255,694 $7,261 7.06%
    Under 20% 55 $2,195,000 $39,909 $629 7.51%