# First Columbia Bank & Trust Co.

> **Canonical URL:** https://saferate.com/lenders/first-columbia-bank-trust


> **📋 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 Columbia Bank & Trust Co. is a bank, headquartered in Bloomsburg, PA, with 309 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300C0SKCK5G4RX330
- **Headquarters:** Bloomsburg, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.247%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $778
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 309
- **Dollar Volume:** $72 million
- **Applications Received:** 358
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $231,505
- **Average Borrower Income:** $128,851
- **Average Property Value:** $299,790

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 286 | -0.247% | $754 | Strong 😀 |
| USDA | 74/100 | 17 | -0.177% | $1,332 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 255 loans, Score: 69/100 (Strong)
- Refinance: 31 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 278 | $66M | -0.257% | Strong 😀 |
| Refinance | 35/100 | 31 | $6M | -0.163% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 309 | 0.26% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 199 | 67/100 |
| Williamsport, PA | PA | 85 | 98/100 |
| Scranton | PA | 17 | 52/100 |

## Where This Lender Ranks

First Columbia Bank & Trust Co. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Williamsport, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Williamsport, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Williamsport, PA
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders)
- 🏆 **#5** in Pennsylvania for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#10** in Pennsylvania for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Pennsylvania for Conventional Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Scranton for Conventional Loans
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Pennsylvania for USDA Loans
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/usda-loans)
- 🏆 **#20** in Pennsylvania for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does First Columbia Bank & Trust Co. offer?

First Columbia Bank & Trust Co. offers the following mortgage loan types: Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Columbia Bank & Trust Co. offer mortgages?

First Columbia Bank & Trust Co. offers mortgages in 1 states: PA.

### How competitive are First Columbia Bank & Trust Co.'s mortgage rates?

First Columbia Bank & Trust Co. has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.247% below market average.

### What type of lender is First Columbia Bank & Trust Co.?

First Columbia Bank & Trust Co. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Bloomsburg, PA.

### What is First Columbia Bank & Trust Co.'s loan approval success rate?

First Columbia Bank & Trust Co. has a pull-through score of 56/100 (Sound). 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-columbia-bank-trust

### How to Cite

> "First Columbia Bank & Trust Co. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-columbia-bank-trust

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