# First Keystone Community Bank

> **Canonical URL:** https://saferate.com/lenders/first-keystone-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 Keystone Community Bank is a bank, headquartered in Berwick, PA, with 67 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900JM9VOQ8A8WF359
- **Headquarters:** Berwick, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.690%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,321
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 67
- **Dollar Volume:** $15 million
- **Applications Received:** 102
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,448
- **Average Borrower Income:** $105,224
- **Average Property Value:** $316,493

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 34/100 | 66 | +0.690% | $1,321 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 47 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 48 | $13M | +0.579% | Acceptable 🙂 |
| Refinance | 28/100 | 19 | $2M | +0.913% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 67 | 0.06% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 41 | 50/100 |
| Scranton | PA | 25 | 63/100 |

## Where This Lender Ranks

First Keystone Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)

## Frequently Asked Questions

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

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

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

First Keystone Community Bank offers mortgages in 1 states: PA.

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

First Keystone Community Bank has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.690% above market average.

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

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

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

First Keystone Community Bank has a pull-through score of 33/100 (Acceptable). 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-keystone-community-bank

### How to Cite

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

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