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



Home Financing

First Columbia Bank is this area's number one mortgage lender, putting more people in more homes in Columbia County than any other financial insititution.* There is a reason why. Find out for yourself. Let's see what we can do for you.

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


Get started with a prequalification to make your homebuying process faster and easier. 

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

Vice President/Business Development
232 East St.
Bloomsburg, PA 17815
Office: (570) 387-4041
Fax: (570) 387-4049

NMLS # 480448

Jean MacDermott   570.925.6181

Jean MacDermott

Vice President/Business Development
200 Market Street
Benton, PA 17814
Office: (570) 925-6181
Fax: (570) 925-5467

NMLS # 463259

Rick Talanca   570.854.8942

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

Michelle Densberger   570.394.2503

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

Brooke Pennington 570.336.9833

Brooke Pennington

Assistant Vice President/Mortgage Originator
2691 Columbia Blvd.
Bloomsburg, PA 17815
Office: (570) 387-4639
Cell Phone: (570) 336-9833
Fax: (570) 416-0474


NMLS # 464373

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. The interest you pay on the loan may also save you money on your income taxes.* 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. The interest you pay on the loan may also save you money on your income taxes.* Contact our Mortgage Specialists for more information and current rates. 

* Please consult your tax advisor.

    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.


Click here for First Columbia Bank & Trust Co.'s Lender NMLS ID Numbers.
* Based on public records of mortgages recorded in Columbia County in 2012 - 2015.