First Keystone Community Bank
First Keystone Community Bank received 286 applications in 2025 and made 234 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 7.150% on a median loan of $145,000. Of 268 decisions, 18 were denials — 6.7%, most often for credit history.
| Legal Entity Identifier | 254900JM9VOQ8A8WF359 |
|---|---|
| Applications received | 286 |
| Mortgages made | 234 |
| Denied | 18 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.79 points |
| FDIC-insured bank | Yes: First Keystone Community Bank, 19 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 128 | 7.150% | $185,000 | 4.9% |
| Refinancing | 25 | 7.250% | $155,000 | 10.3% |
| Cash-out refinancing | 40 | 7.138% | $110,000 | 2.2% |
| Other purposes | 41 | 7.250% | $55,000 | 14.0% |
Where First Keystone Community Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Luzerne County, PA | 80 | 7.250% | 2.4% |
| Columbia County, PA | 77 | 7.100% | 5.5% |
| Carbon County, PA | 17 | 6.750% | 0.0% |
| Lehigh County, PA | 17 | 7.250% | 9.5% |
| Monroe County, PA | 15 | 7.250% | 27.3% |
| Schuylkill County, PA | 9 | Under 10 loans | 10.0% |
| Montour County, PA | 8 | Under 10 loans | 0.0% |
| Northampton County, PA | 5 | Under 10 loans | 0.0% |
| Northumberland County, PA | 2 | Under 10 loans | 0.0% |
| Wyoming County, PA | 2 | Under 10 loans | 25.0% |
| Lackawanna County, PA | 1 | Under 10 loans | 0.0% |
| Warren County, PA | 1 | Under 10 loans | 0.0% |
| Dauphin County, PA | 0 | Under 10 loans | 100.0% |
| Wayne County, PA | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.