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 score and performance metrics.

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 an overall pricing score of 70.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

First Columbia Bank & Trust Co. is a Bank headquartered in Bloomsburg, PA.

Unclaimed

First Columbia Bank & Trust Co.

Bank•Bloomsburg, PAHQ•Direct•Reviews near you on Google

First Columbia Bank & Trust Co. has 309 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · USDA

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 24.70 basis points below market average
Lower than average lender fees
Particularly strong in Conventional and USDA loans

Explore another lender or local market

Report Card

First Columbia Bank & Trust Co. performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 24.7 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

286 loans · 0.25% below market

Strong

Top 40% of lenders

4/5

USDA

17 loans · 0.18% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

278 loans · 0.26% below market

Strong

Top 40% of lenders

4/5

Refinance

31 loans · 0.16% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Exceptional	286	92.6%	-0.247%Below	$754Fees
USDA Loans	Strong	Strong	—	—	17	5.5%	-0.177%Below	$1,332Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume286

Mix92.6%

Spread

-0.247%Below

Fees

$754Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume17

Mix5.5%

Spread

-0.177%Below

Fees

$1,332Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	278	90.0%	-0.257%Below	$802Fees
Refinance	Sound	Acceptable	Acceptable	Sound	31	10.0%	-0.163%Below	$586Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume278

Mix90.0%

Spread

-0.257%Below

Fees

$802Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume31

Mix10.0%

Spread

-0.163%Below

Fees

$586Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

309

Applications

358

Volume

$71 million

Pricing & Closing

Avg Rate Spread

-0.247%

vs. market APOR

Avg Net Fees

$778

Origination − Credits

Pullthrough Rate

86.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$231,505

Avg Borrower Income

$128,851

Avg Property Value

$299,790

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Williamsport, PAMetro

Volume 85Mix 27.51% of portfolio

98/100

Exceptional

Scranton, PAMetro

Volume 17Mix 5.50% of portfolio

52/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 309Mix 100.00% of portfolio

80/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of First Columbia Bank & Trust Co.?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.