First Keystone Community Bank mortgage approval rate & lending review
First Keystone Community Bank decided 452 mortgage applications and funded 378 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Keystone Community Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Keystone Community Bank at a glance
Approval is 7.4 points above the 80.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 62 / 72 | 100% | $185K | 62 |
| Home improvement loans | 71% | 35 / 49 | 94% | $45K | 33 |
| Cash-out refinance | 81% | 30 / 37 | 93% | $85K | 28 |
| Investment property purchase | 97% | 194 / 201 | 97% | $115K | 188 |
| Investment refinance | 97% | 34 / 35 | 85% | $145K | 29 |
First Keystone Community Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 88% | $115K | 451 | 377 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Keystone Community Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Luzerne County, PA | Investment property purchase | 96% | 112 | 106 |
| Luzerne County, PA | Mortgage lenders | 91% | 54 | 49 |
| Lehigh County, PA | Investment property purchase | 100% | 27 | 26 |
| Luzerne County, PA | Home improvement loans | 74% | 34 | 23 |
| Luzerne County, PA | Cash-out refinance | 83% | 29 | 22 |
The county markets where First Keystone Community Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Keystone Community Bank
What is First Keystone Community Bank's mortgage approval rate?
First Keystone Community Bank approved 87.6% of the 452 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 80.2% national rate for the same mix of loan types.
How often do borrowers take the loan First Keystone Community Bank offers?
Borrowers accepted 95% of the loans First Keystone Community Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Keystone Community Bank make?
The typical investment property mortgage loan First Keystone Community Bank made was $115K; across all loan types its typical loan ran from $45K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Keystone Community Bank lend?
First Keystone Community Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Pennsylvania and New Jersey.
Can I apply to First Keystone Community Bank directly?
Yes. First Keystone Community Bank is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Keystone Community Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Keystone Community Bank treats applications, then get a rate quote from the lender.