# First Citizens Community Bank

> **Canonical URL:** https://saferate.com/lenders/first-citizens-community-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Citizens Community Bank is a bank, headquartered in Mansfield, PA, serving borrowers across 8 states, with 557 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300GZN0GWYE1KDB94
- **Headquarters:** Mansfield, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** DE, GA, NJ, NY, PA, SC, TX, VA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.224%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,241
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 557
- **Dollar Volume:** $157 million
- **Applications Received:** 682
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $282,074
- **Average Borrower Income:** $111,576
- **Average Property Value:** $354,874

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 388 | +0.245% | $2,286 | Sound ☺️ |
| FHA | 70/100 | 155 | +0.194% | $2,114 | Strong 😀 |
| VA | 56/100 | 12 | -0.274% | $2,532 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 353 loans, Score: 55/100 (Sound)
- Refinance: 35 loans, Score: 40/100 (Acceptable)

**FHA:**
- Purchase: 150 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 517 | $149M | +0.199% | Sound ☺️ |
| Refinance | 42/100 | 40 | $8M | +0.532% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 446 | 0.37% | 82/100 |
| NJ | 80 | 0.09% | 64/100 |
| DE | 19 | 0.13% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Philadelphia, PA | PA | 184 | 84/100 |
| Montgomery County | PA | 160 | 82/100 |
| Non |  | 79 | 50/100 |
| Camden, NJ | NJ | 52 | 64/100 |
| Wilmington, DE |  | 20 | 51/100 |

## Where This Lender Ranks

First Citizens Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Philadelphia, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Montgomery County for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Camden, NJ for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Wilmington, DE for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Philadelphia, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Pennsylvania for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Montgomery County for FHA Loans
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Camden, NJ for FHA Loans
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/fha-loans)
- 🏆 **#9** in Philadelphia, PA Banks
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks)
- 🏆 **#12** in Pennsylvania for FHA Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in Camden, NJ Banks
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks)
- 🏆 **#13** in Montgomery County Banks
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks)
- 🏆 **#13** in Wilmington, DE Banks
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/banks)
- 🏆 **#15** in Philadelphia, PA
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders)
- 🏆 **#17** in Camden, NJ for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Wilmington, DE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Pennsylvania for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/va-loans)
- 🏆 **#19** in Philadelphia, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Montgomery County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Wilmington, DE for FHA Loans
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does First Citizens Community Bank offer?

First Citizens Community Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Citizens Community Bank offer mortgages?

First Citizens Community Bank offers mortgages in 8 states: DE, GA, NJ, NY, PA, SC, TX, VA.

### How competitive are First Citizens Community Bank's mortgage rates?

First Citizens Community Bank has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.224% above market average.

### What type of lender is First Citizens Community Bank?

First Citizens Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Mansfield, PA.

### What is First Citizens Community Bank's loan approval success rate?

First Citizens Community Bank has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-citizens-community-bank

### How to Cite

> "First Citizens Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-citizens-community-bank

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