First Citizens Community Bank
Mansfield, PA · What the federal mortgage record shows about how First Citizens Community Bank treated New Jersey applicants, 2018–2025 — 206 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 206 New Jersey applications First Citizens Community Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, First Citizens Community Bank’s rates ran +0.01 pp in line with than the typical New Jersey lender (average rate spread +0.40 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who First Citizens Community Bank approves
Why First Citizens Community Bank denied applications
Where First Citizens Community Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Gloucester County | 54 | 96.3% |
| Camden County | 34 | 91.2% |
| Burlington County | 29 | 89.7% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on First Citizens Community Bank’s home-purchase originations — 0.24 points higher than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare First Citizens Community Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by First Citizens Community Bank (LEI 549300GZN0GWYE1KDB94). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →