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First Keystone Community Bank

Berwick, PA

First Keystone Community Bank processed 357 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 264 loans with a 11.8% denial rate. Home Purchase was the primary loan purpose. Based in Berwick, PA. The approval rate of 73.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. First Keystone Community Bank processed 357 HMDA-reported mortgage applications in 2024, originating 264 loans and denying 42 for a denial rate of 11.8% (applicants themselves withdrew 28 files before a decision). The average loan amount was $189,426 at a 7.776% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 254900JM9VOQ8A8WF359 from Berwick, PA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First Keystone Community Bank's 73.9% origination rate tells you how often an application turned into funded money; the 11.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Other, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (357 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

357
Applications
264
Originated
11.8%
Denial Rate
$189,426
Avg Loan Amount
Avg Interest Rate: 7.776% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 357 264 42 $189,426

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First Keystone Community Bank (LEI: 254900JM9VOQ8A8WF359) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
31
Other
9
Collateral
4
Employment history
4
Insufficient cash
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 196 157 $231,327
Cash-out Refinancing 53 36 $228,208
Home Improvement 46 33 $55,435
Other 40 26 $123,500
Refinancing 22 12 $122,727

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 218 71.1% 14.2%
Black or African American 8 62.5% 12.5%
Asian 6 50.0% 0.0%
Joint 2 50.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 225 69.3% 13.3%
Hispanic or Latino 9 77.8% 22.2%
Joint 1 100.0% 0.0%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

NEWREZ LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

PNC BANK N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

SPRING EQ, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

NVR MORTGAGE FINANCE, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

FIRST NATIONAL BANK OF PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare First Keystone Community Bank vs NEWREZ LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did First Keystone Community Bank process?
First Keystone Community Bank processed 357 mortgage applications in the 2023 HMDA reporting year. Of these, 264 were originated (approved and funded), 28 were withdrawn by the applicant, and 42 were denied.
What is First Keystone Community Bank's mortgage approval rate?
First Keystone Community Bank has an approval (origination) rate of 73.9%, meaning 73.9% of all applications resulted in a funded mortgage. The denial rate is 11.8%.
What is the average loan amount at First Keystone Community Bank?
The average mortgage loan amount at First Keystone Community Bank is $189,426. The average interest rate is 7.776%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at First Keystone Community Bank?
The most common reasons for mortgage denial at First Keystone Community Bank are: Credit history, Other, Collateral. In total, 42 applications were denied out of 357 total applications.
What types of mortgage loans does First Keystone Community Bank offer?
First Keystone Community Bank processes Conventional loans. The most common type is Conventional with 357 applications and an average loan amount of $189,426.
What loan purposes does First Keystone Community Bank serve?
First Keystone Community Bank serves the following loan purposes: Home Purchase (196 applications), Cash-out Refinancing (53 applications), Home Improvement (46 applications), Other (40 applications), Refinancing (22 applications). Home Purchase is the most common purpose.
Where is First Keystone Community Bank located?
First Keystone Community Bank is headquartered in Berwick, PA. The lender is identified by LEI 254900JM9VOQ8A8WF359 in HMDA data.
How does First Keystone Community Bank compare in lending across racial demographics?
First Keystone Community Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 71.1% and denial rate of 14.2%; Black or African American applicants have an approval rate of 62.5% and denial rate of 12.5%; Asian applicants have an approval rate of 50.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.