Applications / Mortgage Analytics / Lenders / Pennsylvania / First Keystone Community Bank
Berwick, PA · State non-member bank · FDIC · $1.5 billion assets · 234 loans in 2025
First Keystone Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
234
loans originated, 2025
286
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Keystone Community Bank lends only in Pennsylvania, and it is lending less: its 234 loans in 2025 were 11% fewer than in 2024, while similar banks grew 9%.
Originations fell from 264 to 234, a larger fall than at nearly nine in ten similar lenders (state non-member banks making between half and twice as many loans). The whole market grew 10%. Its count peaked at 627 in 2021 and has fallen every year since. A choice to lend less, or weaker demand in its 12 counties, could explain it; the figures do not show which.
In Scranton--Wilkes-Barre, PA, where it has lent since at least 1990, it ranked 35 of 395 lenders, and its share fell from 1.1% to 0.7%, in line with its lower volume. Rocket Mortgage and Peoples Security Bank and Trust Company led. In Allentown-Bethlehem-Easton, NJ-PA its share held at 0.2%.
Purchases made up 54.7% of its loans and refinances 27.8%. All were conventional and none were jumbo. Its typical loan was $145,000, against $175,000 at similar lenders. Higher-priced loans (a rate well above the average for similar loans) were 0.9%, against 2.1% at peers.
Borrowers with low or moderate incomes (LMI) took 29.8% of its loans, against 28.1% at similar lenders, near the middle. LMI areas took 20.9%, against 17.5%, more than at about six in ten peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Keystone Community Bank took 286 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.7% · Refinance 27.8% · Home improvement 11.1% · Other 6.4%
Conventional 100.0% · of 234 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 234 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 83 |
| Allentown-Bethlehem-Easton | 39 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JM9VOQ8A8WF359 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 790918 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1568 | 1990–2009 |
| Respondent ID (the HMDA filer code before 2018) | 37404 | 2010–2017 |
Established 23 September 1864. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Keystone Community Bank's data.
First Keystone Community Bank's data
$215
First Keystone Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy First Keystone Community Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]