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Prequalification makes buying a home Faster & Easier


Mortgage Credit Certificate Program learn more



Imagine saving $2,000 in taxes each year with our Mortgage Credit Certificate Program!


Mortgage Credit Certificate Program learn more



See how we can help Veterans with our VA Home Loan program


Mortgage Credit Certificate Program learn more



Find out what makes us the #1 mortgage lender in our area.


Home Financing

We're working to make homebuying more affordable.

Let us help you make the dream of home ownership a reality. Our mortgage specialists will work one-on-one with you to find a financing solution that fits your life. With no and low down payment options, we'll help you get in your new home for less. Plus, for a limited time, homebuyers may be eligible to receive a discount of $200 on closing costs.*  Contact us today to get started.

Online Mortgage Center

  • Apply online for a mortgage at your convenience—24 /7
  • Find current interest rates
  • Get information on different types of financing available

Your Mortgage Specialists

Meet our team of locally-based mortgage originators who will guide you every step of the way through the home financing process.

Pam Young   570.387.4041
Pam Young

Pam Young

Vice President/Business Development
232 East St.
Bloomsburg, PA 17815
Office: (570) 387-4041
Fax: (570) 387-4049
NMLS # 480448
E-mail: pyoung@firstcolumbiabank.com

start application


Jean MacDermott   570.925.6181
Jean MacDermott

Jean MacDermott

Vice President/Business Development
200 Market Street
Benton, PA 17814
Office: (570) 925-6181
Fax: (570) 925-5467
NMLS # 463259
E-mail: jmacdermott@firstcolumbiabank.com

Begin an online mortgage application


Rick Talanca   570.854.8942
Rick Talanca

Rick Talanca

Vice President/Mortgage Originator
232 East St
Bloomsburg, PA 17815
Office: (570) 784-4400
Cell Phone: (570) 854-8942
Fax: (570) 416-0474
NMLS # 485258
E-mail: rtalanca@firstcolumbiabank.com

Start online mortgage application


Michelle Densberger   570.394.2503
Michelle Densberger

Michelle Densberger

Vice President/Mortgage Originator
232 East St.
Bloomsburg, PA 17815
Office: (570) 394-2503
Cell Phone: (570) 394-2503
Fax: (570) 416-0474
NMLS # 480410
E-mail: mdensberger@firstcolumbiabank.com

Start an online mortgage application


Brooke Pennington 570.336.9833
Brooke Pennington

Brooke Pennington

Vice President/Mortgage Originator
710 Walnut Street
Danville, PA 17821
Office: (570) 416-5333
Cell Phone: (570) 336-9833
Fax: (570) 416-0474
NMLS # 464373
E-mail: bpennington@firstcolumbiabank.com

 online mortgage center


Home Equity Options

Home Equity Line of Credit
With a Home Equity Line of Credit, you can use the value of your home to help pay for expenses such as college tuition, home improvements, or a new car.  With a line of credit, you borrow only what you need, when you need it. Contact our Mortgage Specialists for more information and current rates. 

Home Improvement Loans/Second Mortgages
By tapping the equity in your home, a home equity loan or second mortgage can make enhancing your home or building that long-desired addition a reality. With rates still low, there's never been a better time to look at home equity options. Contact our Mortgage Specialists for more information and current rates.  

    Personalized & Responsive Financing Solutions

» Eyeing up acreage?

In our area, many properties have considerable acreage. In the lending world, these properties are more difficult to finance. However, as a community bank with a keen understanding of this area's real estate environment and the local economy, we are able to finance many of these properties, whereas lenders in the secondary loan market would not. Come talk with us about that land you have your eye on.

     » Should I refinance?

With current low rates, refinancing may offer significant cost savings to existing homeowners. We're here to help you work the numbers and determine if refinancing can save you money. Get started with our online refinancing calculators.

* Discount applies to origination fee. Offer expires 6/29/19. Not valid with any other offers. Loans are subject to credit approval. NMLS#410779

First Columbia Bank & Trust Co.'s Lender NMLS ID Numbers: