First Citizens Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First Citizens Community Bank 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Citizens Community Bank 15 S. Main Street Mansfield, PA 16933 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 662 |
| Total Mortgage Loan Application Amount | $189,770,000 |
| Average Mortgage Loan Application Amount | $332,666 |
| Highest Mortgage Loan Application Amount | $16,405,000 |
| Average Applicant Income | $103,333 |
| Highest Applicant Income | $2,010,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with First Citizens Community Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Citizens Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down First Citizens Community Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Citizens Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Citizens Community Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Citizens Community Bank's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Philadelphia County Pennsylvania | 111 | $ 57,665,000 | $ 519,000 | $ 85,000 |
| Tioga County Pennsylvania | 103 | $ 12,175,000 | $ 118,000 | $ 123,000 |
| Bradford County Pennsylvania | 90 | $ 14,100,000 | $ 156,000 | $ 150,000 |
| Bucks County Pennsylvania | 49 | $ 18,195,000 | $ 371,000 | $ 135,000 |
| Montgomery County Pennsylvania | 32 | $ 11,830,000 | $ 369,000 | $ 149,000 |
| Schuylkill County Pennsylvania | 27 | $ 4,295,000 | $ 159,000 | $ 120,000 |
| Lebanon County Pennsylvania | 25 | $ 3,655,000 | $ 146,000 | $ 107,000 |
| Potter County Pennsylvania | 23 | $ 1,025,000 | $ 44,000 | $ 55,000 |
| New Castle County Delaware | 21 | $ 6,045,000 | $ 287,000 | $ 103,000 |
| Allegany County New York | 21 | $ 1,515,000 | $ 72,000 | $ 110,000 |
| Kent County Delaware | 13 | $ 7,585,000 | $ 583,000 | $ 87,000 |
| Centre County Pennsylvania | 11 | $ 4,435,000 | $ 403,000 | $ 170,000 |
| Delaware County Pennsylvania | 11 | $ 2,745,000 | $ 249,000 | $ 103,000 |
| Lancaster County Pennsylvania | 11 | $ 4,415,000 | $ 401,000 | $ 185,000 |
| Gloucester County New Jersey | 10 | $ 2,910,000 | $ 291,000 | $ 101,000 |
| Berks County Pennsylvania | 10 | $ 2,480,000 | $ 248,000 | $ 236,000 |
| Cape May County New Jersey | 8 | $ 7,690,000 | $ 961,000 | $ 264,000 |
| Camden County New Jersey | 7 | $ 1,645,000 | $ 235,000 | $ 107,000 |
| Clinton County Pennsylvania | 7 | $ 2,815,000 | $ 402,000 | $ 166,000 |
| Sussex County Delaware | 5 | $ 5,045,000 | $ 1,009,000 | $ 410,000 |
| Atlantic County New Jersey | 5 | $ 2,465,000 | $ 493,000 | $ 192,000 |
| Chester County Pennsylvania | 5 | $ 1,075,000 | $ 215,000 | $ 114,000 |
| Chemung County New York | 4 | $ 270,000 | $ 67,000 | $ 294,000 |
| Tioga County New York | 3 | $ 365,000 | $ 121,000 | $ 79,000 |
| Susquehanna County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 97,000 |
| Burlington County New Jersey | 2 | $ 810,000 | $ 405,000 | $ 141,000 |
| Essex County New Jersey | 2 | $ 720,000 | $ 360,000 | $ 124,000 |
| Mercer County New Jersey | 2 | $ 490,000 | $ 245,000 | $ 112,000 |
| Salem County New Jersey | 2 | $ 610,000 | $ 305,000 | $ 82,000 |
| Sussex County New Jersey | 2 | $ 560,000 | $ 280,000 | $ 120,000 |
| Dauphin County Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Huntingdon County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 53,000 |
| Luzerne County Pennsylvania | 2 | $ 610,000 | $ 305,000 | $ 174,000 |
| Lycoming County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 79,000 |
| Frederick County Virginia | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Collier County Florida | 1 | $ 255,000 | $ 255,000 | $ 872,000 |
| Pinellas County Florida | 1 | $ 605,000 | $ 605,000 | $ 422,000 |
| Cook County Illinois | 1 | $ 695,000 | $ 695,000 | $ 307,000 |
| Bergen County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Cumberland County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Hunterdon County New Jersey | 1 | $ 435,000 | $ 435,000 | $ 301,000 |
| Middlesex County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Ocean County New Jersey | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Schuyler County New York | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Warren County New York | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Carbon County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Columbia County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 128,000 |
| Cumberland County Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 184,000 |
| Lackawanna County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 196,000 |
| Lehigh County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| Monroe County Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 104,000 |
| Northampton County Pennsylvania | 1 | $ 445,000 | $ 445,000 | $ 166,000 |
| Northumberland County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Pike County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Sullivan County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Union County Pennsylvania | 1 | $ 505,000 | $ 505,000 | $ 94,000 |
| Venango County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Wyoming County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 594,000 |
| Beaufort County South Carolina | 1 | $ 725,000 | $ 725,000 | $ 361,000 |
| Dorchester County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 139,000 |
| Horry County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 163,000 |
| Brazoria County Texas | 1 | $ 295,000 | $ 295,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for First Citizens Community Bank in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 466 | $149,120,000 | $320,000 | $9,425,000 | $130,000 | $2,010,000 |
| Other Purpose | 62 | $3,890,000 | $62,000 | $685,000 | $104,000 | $551,000 |
| Home Improvement | 61 | $6,325,000 | $103,000 | $1,655,000 | $118,000 | $941,000 |
| Cash-out Refinancing | 50 | $7,520,000 | $150,000 | $1,125,000 | $123,000 | $781,000 |
| Refinancing | 22 | $22,580,000 | $1,026,000 | $16,405,000 | $145,000 | $364,000 |
| Not Applicable | 1 | $335,000 | $335,000 | $335,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 439 | $86,095,000 | $196,000 | $1,495,000 | $138,000 | $2,010,000 |
| Not Provided | 79 | $22,735,000 | $287,000 | $725,000 | $117,000 | $361,000 |
| Black or African American | 54 | $12,270,000 | $227,000 | $565,000 | $77,000 | $256,000 |
| Not applicable | 46 | $57,240,000 | $1,244,000 | $16,405,000 | $0 | $0 |
| Hispanic | 35 | $8,945,000 | $255,000 | $695,000 | $87,000 | $307,000 |
| Asian | 8 | $2,420,000 | $302,000 | $485,000 | $90,000 | $160,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 564 | $165,150,000 | $292,000 | $16,405,000 | $136,000 | $2,010,000 |
| FHA-insured (Federal Housing Administration) | 97 | $24,285,000 | $250,000 | $545,000 | $78,000 | $214,000 |
| VA-guaranteed (Veterans Administration) | 1 | $335,000 | $335,000 | $335,000 | $117,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 532 | $160,320,000 | $301,000 | $16,405,000 | $129,000 | $2,010,000 |
| Application Withdrawn By Applicant | 83 | $19,655,000 | $236,000 | $955,000 | $132,000 | $582,000 |
| Application Denied By Financial Institution | 42 | $7,820,000 | $186,000 | $555,000 | $75,000 | $389,000 |
| File Closed For Incompleteness | 4 | $1,920,000 | $480,000 | $725,000 | $270,000 | $551,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $30,000 | $30,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 620 | $181,950,000 | $293,000 | $16,405,000 | $130,000 | $2,010,000 |
| Debt-To-Income Ratio | 18 | $5,340,000 | $296,000 | $555,000 | $70,000 | $188,000 |
| Credit History | 11 | $955,000 | $86,000 | $275,000 | $52,000 | $97,000 |
| Collateral | 6 | $510,000 | $85,000 | $125,000 | $62,000 | $89,000 |
| Other | 3 | $725,000 | $241,000 | $355,000 | $219,000 | $389,000 |
| Employment History | 2 | $220,000 | $110,000 | $145,000 | $94,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $70,000 | $35,000 | $35,000 | $84,000 | $118,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Citizens Community Bank's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Citizens Community Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.