First Citizens Community Bank closing costs and rates (2024)
In 2024, First Citizens Community Bank originated 513 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $6,405. That ranks #626 nationally by origination volume. For total closing costs among lenders with 500+ originations, First Citizens Community Bank ranks #321. That is $336 below the national median of $6,741. First Citizens Community Bank is most active in Pennsylvania with 413 originations there.
Purchase Originations
513
Ranked #626 nationally
Median Total Costs
$6,405
−5.0% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,500
Median Lender Credits
$251
Cost Rank (500+ vol.)
#321
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 349 | 6.625% | $5,188 | $1,500 |
| fha | 152 | 6.250% | $9,504 | $1,500 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 413 | 6.500% | $6,417 | #54 |
| New Jersey | 73 | 6.750% | $6,206 | #126 |
| Delaware | 18 | 6.625% | $6,270 | — |
| New York | 5 | 7.750% | $5,856 | — |
| South Carolina | 2 | 6.688% | $9,090 | — |
| Georgia | 1 | 6.500% | $2,643 | — |
| Texas | 1 | 6.990% | $6,144 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,239 | 7.250% | — | 17 | −$2,166 | |
| 2 | $4,859 | 6.562% | — | 14 | −$1,546 | |
| 3 | $5,047 | 7.375% | — | 27 | −$1,358 | |
| 4 | $5,261 | 6.875% | — | 3 | −$1,144 | |
| 5 | $5,546 | 6.625% | — | 15 | −$859 | |
| 6 | $6,027 | 6.625% | — | 85 | −$378 | |
| 7 | $6,094 | 6.808% | — | 4 | −$311 | |
| 8 | $6,123 | 6.745% | — | 4 | −$282 | |
| 9 | $6,236 | 6.625% | — | 7 | −$169 | |
| 10 | $6,325 | 6.750% | — | 20 | −$80 | |
| 11 | $6,344 | 6.990% | — | 9 | −$61 | |
| 12 | $6,405 | 6.875% | — | 9 | +$0 | |
| 13 | $6,760 | 6.750% | — | 15 | +$355 | |
| 14 | $7,052 | 6.250% | — | 146 | +$647 | |
| 15 | $7,459 | 6.250% | — | 28 | +$1,054 | |
| 16 | $7,475 | 6.500% | — | 60 | +$1,070 | |
| 17 | $7,522 | 7.062% | — | 4 | +$1,117 | |
| 18 | $7,838 | 6.875% | — | 3 | +$1,433 | |
| 19 | $7,977 | 6.625% | — | 3 | +$1,572 | |
| 20 | $10,044 | 6.870% | — | 4 | +$3,639 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.