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First Citizens Community Bank
Bank|Mansfield, PA|Multi-Region
Loans Originated
557
Applications
682
Volume
$157 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.224%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,241
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
First Citizens Community Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$282,074
Average Borrower Income
$111,576
Average Property Value
$354,874
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 388 | 69.7% | +0.245% | $2,286 |
FHA Loans | Strong | Strong | Strong | Strong | 155 | 27.8% | +0.194% | $2,114 |
VA Loans | Sound | Sound | N/A | N/A | 12 | 2.2% | -0.274% | $2,532 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Strong | 517 | 92.8% | +0.199% | $2,247 |
Refinance | Sound | Sound | Acceptable | Strong | 40 | 7.2% | +0.532% | $2,169 |
Geographic Coverage
Metro Areas
4
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
DEGANJNYPASCTXVA
Top Metro Areas by Place Specialization Score
1
Philadelphia, PA, PAMSA
Volume: 184Mix: 33.03%
Place Specialization
Exceptional
2
Montgomery County, PAMSA
Volume: 160Mix: 28.73%
Place Specialization
Exceptional
3
Camden, NJ, NJMSA
Volume: 52Mix: 9.34%
Place Specialization
Strong
4
Wilmington, DEMSA
Volume: 20Mix: 3.59%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 446Mix: 80.07%
Place Specialization
Exceptional
2
NJState
Volume: 80Mix: 14.36%
Place Specialization
Strong
3
DEState
Volume: 19Mix: 3.41%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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