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More Than Just a Lender

FCCB is here for all your mortgage needs. From Refinance to Purchase and everything in between, FCCB has you covered!


Our goal is to provide a superior mortgage lending experience. That means going above and beyond normal expectations and delivering exceptional service each and every time.

“Kristina is fabulous! She is personable and made me feel like a friend of hers as we did business. When I came to her with a question she took a special interest in me.” 

-Bonnie Hall



“We never owned a home before, so we had so many questions! Kristina walked us through the steps and was encouraging and patient. We appreciate a bank that gives back to our local community, like First Citizens, but I have to admit Kristina was the main selling feature! ” 

-Anne Sommerville




About Kristina

The role of Tioga County Mortgage Originator is an excellent fit for one of our most experienced lenders. Kristina understands the true meaning of customer service. Her foremost commitment is to provide customers with the confidence they deserve when considering the decision to own a home.


Since 2008 she has helped over 1,000 customers with their lending needs. Years of experience have given Kristina the banking knowledge customers are looking for. She knows the ins-and-outs of mortgage lending and takes the time to understand the needs of her customers. Kristina sees the importance of listening, connecting and accommodating every customer she meets. In fact, she consistently receives outstanding customer satisfaction ratings, and her customers refer their family and friends. We are confident her knowledge and passion will be refreshing to anyone in the mortgage market.


Kristina joined the First Citizens family in 1988 as a loan secretary and was promoted to a residential lending position in 1993. In 2014, Kristina was named Assistant Vice President. She has been named Employee of the Year two times during her career.


Kristina is a member of the Mansfield Borough Zoning Board.




At FCCB, we believe investing in our communities encourages growth and helps our local economies thrive. We continue to help our customers succeed and strive to make it happen for you!


When you work with us, you can expect:

  • The utmost care and attention from a hard-working team.
  • Mortgage Products and solutions tailored to your needs.
  • The latest technology in mortgage lending enabling a fast an efficient loan process. We care deeply about the happiness and success of our customers and are trained to turn that care into action.

We dare to be different.



Contact Us

Kristina Bogaczyk
AVP, Tioga County Mortgage Originator

Mortgage Division
First Citizens Community Bank
15 S Main Street
Mansfield, PA 1693
Office: 570-662-0457     
MLO # 528457