First Citizens Community Bank Mortgage Rates, Fees & Info
Mansfield, PALEI: 549300GZN0GWYE1KDB94
Tax ID: 24-0652238
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Bank Data
Review & Overview
First Citizens Community Bank is a smaller bank specializing in Home Purchase and Refi loans. First Citizens Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: State College, Sayre, Lebanon, Lancaster, and Philadelphia among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)First Citizens Community Bank has an 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.82% | 12/16/24 |
| 30 Year Conventional Refi | 6.45% | 12/16/24 |
| 30 Year Cash-out Refi | 6.50% | 12/16/24 |
| 15 Year Conventional Purchase | 6.53% | 12/16/24 |
| 15 Year Conventional Refi | 7.36% | 12/16/24 |
| 15 Year Cash-out Refi | 7.36% | 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 Citizens Community Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
537Origination Dollar Volume (All Markets)
$80,645,000Employee count
254Awards
First Citizens Community Bank - 2019
First Citizens Community Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 195 | $19,425,000 | $99,615 | $1,931 | 5.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 40 | $18,940,000 | $473,500 | $3,827 | 4.75% |
| Sayre, PA (FHA|USDA|VA) | 143 | $15,315,000 | $107,098 | $2,166 | 5.36% |
| LEBANON, PA (FHA|USDA|VA) | 47 | $6,205,000 | $132,021 | $2,808 | 5.11% |
| LANCASTER, PA (FHA|USDA|VA) | 19 | $5,895,000 | $310,263 | $3,227 | 5.20% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 13 | $2,695,000 | $207,308 | $5,269 | 5.17% |
| Lock Haven, PA (FHA|USDA|VA) | 13 | $2,455,000 | $188,846 | $3,902 | 5.03% |
| READING, PA (FHA|USDA|VA) | 8 | $1,320,000 | $165,000 | $3,143 | 4.57% |
| BINGHAMTON, NY (FHA|USDA|VA) | 9 | $1,305,000 | $145,000 | $2,681 | 4.98% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $3,724 | 5.17% |
| Pottsville, PA (FHA|USDA|VA) | 10 | $890,000 | $89,000 | $1,698 | 5.45% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,092 | 5.63% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $2,344 | 4.53% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $0 | 5.09% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,555 | 4.50% |
| ELMIRA, NY (FHA|USDA|VA) | 7 | $465,000 | $66,429 | $1,531 | 5.18% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,757 | 4.21% |
| Corning, NY (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $3,295 | 4.58% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 5.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,352 | 4.63% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,560 | 4.13% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,785 | 5.49% |
| Lewisburg, PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 5.62% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,176 | 4.25% |
| Bradford, PA (FHA|USDA|VA) | 2 | $50,000 | $25,000 | $326 | 4.63% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 537 | $80,645,000 | $150,177 | $2,334 | 5.19% |
For 2019, First Citizens Community Bank's most frequently originated type of loan was Conventional, with 537 originations.
Loan Reason
For 2019, First Citizens Community Bank's most frequently cited loan purpose was Home Purchase, with 276 originations. The 2nd most popular reason was Cash Out Refi, with 111 originations.
Loan Duration/Length
For 2019, First Citizens Community Bank's most frequently cited loan duration was 30 Year, with 136 originations. The 2nd most popular length was 15 Year, with 121 originations.
Origination Fees/Closing Costs
First Citizens Community Bank's average total fees were $3,278, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 320 originations.
Interest Rates
During 2019, First Citizens Community Bank's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 5-6%, with 211 originations.
Loan Sizing
2019 saw First Citizens Community Bank place emphasis on $100,000 or less loans with 288 originations, totaling $14,830,000 in origination value.
Applicant Income
First Citizens Community Bank lent most frequently to those with incomes in the $50k or less range, with 124 originations. The second most popular income band? $50k-75k, with 106 originations.
Applicant Debt to Income Ratio
First Citizens Community Bank lent most frequently to those with DTI ratios of 20-30%, with 107 originations. The next most common DTI ratio? 30-36%, with 99 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.16%
First Citizens Community Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.56%
First Citizens Community Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 436.53 | 1 | $25,000 | $25,000 |
| 487.5 | 1 | $25,000 | $25,000 |
| 512.5 | 1 | $35,000 | $35,000 |
| 54.5 | 1 | $15,000 | $15,000 |
| 56.5 | 1 | $5,000 | $5,000 |
| 59.5 | 1 | $5,000 | $5,000 |
| 61.51 | 5 | $75,000 | $15,000 |
| 62.5 | 1 | $35,000 | $35,000 |
| 66.11 | 1 | $95,000 | $95,000 |
| NA | 524 | $80,330,000 | $153,302 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Conventional home mortgage | Trouble during payment process | 3 | 27.3% |
| FIRST CITIZENS BANCSHARES, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 9.1% |
| FIRST CITIZENS BANCSHARES, INC. | FHA mortgage | Struggling to pay mortgage | 1 | 9.1% |
| FIRST CITIZENS BANCSHARES, INC. | Conventional home mortgage | Struggling to pay mortgage | 3 | 27.3% |
| FIRST CITIZENS BANCSHARES, INC. | Other type of mortgage | Trouble during payment process | 1 | 9.1% |
| FIRST CITIZENS BANCSHARES, INC. | Other type of mortgage | Struggling to pay mortgage | 1 | 9.1% |
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Struggling to pay mortgage | 1 | 9.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| First Citizens Community Bank | 502 Main Street Ulysses, PA 16948 | Full Service B&M | $45,955 |
| First Citizens Community Bank | 306 West Lockhart Street Sayre, PA 18840 | Full Service B&M | $67,184 |
| First Citizens Community Bank | 33178 Route 14 Gillett, PA 16925 | Full Service B&M | $11,809 |
| First Citizens Community Bank | 53 West Main Street Canton, PA 17724 | Full Service B&M | $96,434 |
| First Citizens Community Bank | 1 Pearl Street Wellsboro, PA 16901 | Full Service B&M | $115,048 |
| First Citizens Community Bank | 10 South Main Street Wellsville, NY 14895 | Full Service B&M | $36,458 |
| First Citizens Community Bank | 1015 Dry Tavern Road Suite A Denver, PA 17517 | Full Service B&M | $2,275 |
| First Citizens Community Bank | 111-113 Main Street Towanda, PA 18848 | Full Service B&M | $51,039 |
| First Citizens Community Bank | 1133 West Main Street Troy, PA 16947 | Full Service B&M | $63,877 |
| First Citizens Community Bank | 1157 Westbranch Hwy, 1st Floor Winfield, PA 17889 | Full Service B&M | $0 |
| First Citizens Community Bank | 141 West Beaver Avenue State College, PA 16801 | Full Service B&M | $59,544 |
| First Citizens Community Bank | 15 South Main Street Mansfield, PA 16933 | Full Service B&M | $187,382 |
| First Citizens Community Bank | 1549 Route 443 Friedensburg, PA 17933 | Full Service B&M | $25,627 |
| First Citizens Community Bank | 1690 N. 7th Street, Lebanon, PA 17046 | Full Service B&M | $48,422 |
| First Citizens Community Bank | 1778 Elmira Street Sayre, PA 18840 | Full Service B&M | $19,989 |
| First Citizens Community Bank | 2 Wal-Mart Plaza Mansfield, PA 16933 | Full Service Retail | $7,048 |
| First Citizens Community Bank | 2217 West Cumberland Street Lebanon, PA 17042 | Full Service B&M | $16,553 |
| First Citizens Community Bank | 300 Main Street Blossburg, PA 16912 | Full Service B&M | $53,232 |
| First Citizens Community Bank | 3016 South Pine Grove Street Fredericksburg, PA 17026 | Full Service B&M | $69,211 |
| First Citizens Community Bank | 39 King Arthur Drive Mill Hall, PA 17751 | Full Service B&M | $15,791 |
| First Citizens Community Bank | 391 Main Street Genesee, PA 16923 | Full Service B&M | $30,893 |
| First Citizens Community Bank | 45 West Main Street Schuylkill Haven, PA 17972 | Full Service B&M | $13,117 |
| First Citizens Community Bank | 450 Isabel Drive Lebanon, PA 17042 | Full Service B&M | $31,319 |
| First Citizens Community Bank | 720 East Main Street Mount Joy, PA 17552 | Full Service B&M | $13,767 |
| First Citizens Community Bank | 7352 Route 328 Millerton, PA 16936 | Full Service B&M | $16,864 |
| First Citizens Community Bank | 7635 Lancaster Avenue Mount Aetna, PA 19544 | Full Service B&M | $49,057 |
| First Citizens Community Bank | 847 Main Street Rome, PA 18837 | Full Service B&M | $8,891 |
| First Citizens Community Bank | 960 Main Street Le Raysville, PA 18829 | Full Service B&M | $35,043 |
For 2019, First Citizens Community Bank had 28 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $62,051 |
| Net interest income | $50,411 |
| Total noninterest income | $8,718 |
| Gross Fiduciary activities income | $750 |
| Service charges on deposit accounts | $2,279 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $5,689 |
| Pre-tax net operating income | $24,468 |
| Securities gains (or losses, -) | $43 |
| Income before extraordinary items | $20,475 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $20,475 |
| Minority interest net income | $0 |
| Net income | $20,475 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $20,438 |
First Citizens Community Bank's gross interest income from loans was $62,051,000.
First Citizens Community Bank's net interest income from loans was $50,411,000.
First Citizens Community Bank's fee based income from loans was $2,279,000.
First Citizens Community Bank's net income from loans was $20,475,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $11,640 |
| Provision for credit losses | $1,675 |
| Total noninterest expense | $32,986 |
| Salaries and employee benefits | $20,456 |
| Premises and equipment expense | $2,848 |
| Additional noninterest expense | $9,682 |
| Applicable income taxes | $4,036 |
| Net charge-offs | $714 |
| Cash dividends | $9,565 |
First Citizens Community Bank's interest expense for loans was $11,640,000.
First Citizens Community Bank's payroll and benefits expense were $20,456,000.
First Citizens Community Bank's property, plant and equipment expenses $2,848,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 3.0% |
| 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 | $1,219,863 |
| Deposits held in domestic offices | $1,219,863 |
| Deposits by Individuals, partnerships, and corporations | $980,470 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $239,375 |
| Deposits by Commercial banks and other depository institutions in U.S. | $18 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $131,331 |
| Demand deposits | $76,803 |
| Nontransaction accounts | $1,088,532 |
| Money market deposit accounts (MMDAs) | $169,865 |
| Other savings deposits (excluding MMDAs) | $645,936 |
| Total time deposits | $272,731 |
| Total time and savings deposits | $1,143,060 |
| Noninterest-bearing deposits | $212,538 |
| Interest-bearing deposits | $1,007,325 |
| Retail deposits | $1,139,810 |
| IRAs and Keogh plan accounts | $48,597 |
| Brokered deposits | $15,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,465,405 |
| Cash & Balances due from depository institutions | $32,776 |
| Interest-bearing balances | $16,829 |
| Total securities | $240,789 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,102,539 |
| Loan and leases loss allowance | $13,845 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $17,089 |
| Other real estate owned | $3,404 |
| Goodwill and other intangibles | $24,642 |
| All other assets | $44,166 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,465,405 |
| Total Liabilities | $1,310,904 |
| Total deposits | $1,219,863 |
| Interest-bearing deposits | $1,007,325 |
| Deposits held in domestic offices | $1,219,863 |
| % insured (estimated) | $65 |
| Federal funds purchased and repurchase agreements | $11,298 |
| Trading liabilities | $0 |
| Other borrowed funds | $67,482 |
| Subordinated debt | $0 |
| All other liabilities | $12,261 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,102,539 |
| Loan and leases loss allowance | $13,845 |
| Total loans and leases (domestic) | $1,116,384 |
| All real estate loans | $905,256 |
| Real estate loans in domestic offices | $905,256 |
| Construction and development loans | $15,519 |
| Residential 1-4 family construction | $4,348 |
| Other construction, all land development and other land | $11,171 |
| Loans secured by nonfarm nonresidential properties | $229,213 |
| Nonfarm nonresidential secured by owner-occupied properties | $130,125 |
| Commercial real estate & other non-farm, non-residential | $99,088 |
| Multifamily residential real estate | $33,346 |
| 1-4 family residential loans | $307,663 |
| Farmland loans | $319,515 |
| Loans held in foreign offices | $0 |
| Farm loans | $51,483 |
| Commercial and industrial loans | $59,109 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $10,266 |
| Credit card loans | $0 |
| Related Plans | $2,432 |
| Consumer Auto Loans | $329 |
| Other loans to individuals | $7,505 |
| All other loans & leases | $90,270 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $3,812 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $3,125 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $7,341 |
| Non 1-4 family restructured loans & leases | $7,004 |
| Total loans and leases (foreign) | $0 |
First Citizens Community Bank had $1,102,539,000 of loans outstanding in 2019. $905,256,000 of loans were in real estate loans. $15,519,000 of loans were in development loans. $33,346,000 of loans were in multifamily mortgage loans. $307,663,000 of loans were in 1-4 family mortgage loans. $51,483,000 of loans were in farm loans. $0 of loans were in credit card loans. $329,000 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 | 669 | $101,531 | $151,765 |
| Nonfarm, nonresidential loans - <$100k | 247 | $9,441 | $38,223 |
| Nonfarm, nonresidential loans - $100-250k | 235 | $26,646 | $113,387 |
| Nonfarm, nonresidential loans - $250k-1MM | 187 | $65,444 | $349,968 |
| Commercial & Industrial, US addressed loans - <$1MM | 565 | $38,809 | $68,688 |
| Commercial & Industrial, US addressed loans - <$100k | 424 | $11,132 | $26,255 |
| Commercial & Industrial, US addressed loans - $100-250k | 87 | $8,961 | $103,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 54 | $18,716 | $346,593 |
| Farmland loans - <$1MM | 640 | $94,527 | $147,698 |
| Farmland loans - <$100k | 249 | $9,616 | $38,618 |
| Farmland loans - $100-250k | 204 | $27,928 | $136,902 |
| Farmland loans - $250k-1MM | 187 | $56,983 | $304,722 |
| Agriculture operations loans - <$1MM | 501 | $25,912 | $51,721 |
| Agriculture operations loans - <$100k | 400 | $11,935 | $29,838 |
| Agriculture operations loans - $100-250k | 75 | $7,933 | $105,773 |
| Agriculture operations loans - $250k-1MM | 26 | $6,044 | $232,462 |