Mortgage Lending Team

Di joined First Citizens Community Bank in 2012 as Wellsboro Office Manager, and due to her extensive mortgage lending expertise and passion for exceeding customer expectations, she was promoted to Mortgage Sales Lending Manager in February of 2015.

In her Mortgage Lending Sales Manager role, Di works closely with the Regional Sales Managers and Mortgage Originators to support a bank-wide sales culture that ensures each customer's experience is exceptional by overseeing the mortgage loan process from origination to close. Di's experience, knowledge, and dedication lend her success in helping customers enter into the biggest investment of their lives with confidence.

Prior to joining First Citizens, Di worked for Citizens & Northern Bank in Mortgage Specialist, Office Manager, Assistant Manager, and Loan Officer capacities in the Mansfield and Wellsboro areas. She holds several diplomas from the American Institute of Banking, including General Banking, Mortgage Lending, and Consumer Credit. She is also a graduate of the Central Atlantic Intermediate and Advanced Schools of Banking, and the Central Atlantic School of Commercial Lending.

Di is a member of the Wellsboro Chamber of Commerce, Booster Club, Laurel Health Pro-Am, and Punisher Athletics. She resides in Wellsboro with her husband, Jeff, and their children, Brock and Peyton.

Diane Wilson, VP, Mortgage Lending Sales Manager
1 Pearl Street, Wellsboro, PA 16901
570-723-1609 or 570-724-2600
MLO# 582823

“Di has been my go-to person for more than ten years. She is great with my clients. I turn to her and she takes it and runs with it. She is always available and a prompt communicator. She stays on the job until the job is done. I have never had a client yet that did not love working with her.” -Dave Miller, Penn Oak Realty

“Diane helped us understand each step of the process and get all of our assets in line. Without her help, things would have been tedious and stressful. She did great by us and we could not be happier!” -Catherine & Robert Hindman, Customer

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.

In 1988 Kristina joined the First Citizens family 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 with First Citizens over 28 years and was named Employee of the Year two times during her career.

Kristina is a member of the Mansfield Borough Zoning Board and the Mansfield Free Public Library Board.

Kristina Bogaczyk, AVP, Tioga County Mortgage Originator
15 South Main Street, Mansfield, PA 16933
(570) 662-0457
MLO# 528457

“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, Customer

“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, Customer

As Mortgage Originator, Cathy's role involves more than just processing and approving your mortgage. Since buying a home is one of the largest financial and often emotional decisions you make during your lifetime, education is key. At the end of the day, you need to feel good about the decisions you made and that's where your partnership with Cathy begins. She'll help you understand what you can afford to purchase and borrow and determine product and payment options that fit your personal situation. She'll pre-approve you for the loan which ensures Realtors can quickly show you homes in your price range. And, Cathy will fully educate you on the steps and timeframe involved with the mortgage process, from application to closing. That's her promise.

Cathy's 32 years of banking experience has allowed her to develop extensive expertise in residential lending. She is a graduate of the University of Pittsburgh and the Central Atlantic School of Banking.

Cathy is a native of Sayre and is extremely active in the Sayre community holding Board, Council, and Committee positions in various organizations. She is involved in the Sayre Enterprise Center, Valley Economic Development Association, Sayre UDAG Loan Committee, Valley Leadership Advisory Council and the Sayre Rotary.

She currently resides in Athens Township with her husband Lenny.

Cathy Pientka, AVP, Bradford County Mortgage Originator
306 West Lockhart Street, Sayre, PA 18840
(570) 888-6602
MLO# 528468

“My experience with Cathy was wonderful! She responded very quickly. Being a first-time homebuyer, we had many questions. Cathy walked us through the entire process. And thanks to her attention, we closed on our new home in 30 days. I would highly recommend Cathy to anyone!” -Joe Johnson, Customer

“A client of mine was a nurse anesthetist who chose First Citizens because of their unique Medical Professionals package. The clients were working in a time crunch; they needed to find a home and close in 30 days! Cathy worked hard to turn things around in less than 30 days during the busy holiday season, making sure my clients had what they needed each step of the way.” -Andrea Gentile, Realtor

Jennifer Cadman joins First Citizens as a Private Client Banker and Mortgage Originator in our State College office. She brings over 15 years' experience to the team in providing exceptional lending and account management skills to customers in small, mid-sized and large banking institutions. She graduated with a master's degree in Business Administration from the University of Phoenix, and her bachelor's degree from Malone University.

Jennifer is the Benner Elementary PTA Treasurer, Bridge of Hope Centre County Treasurer, and a graduate of Leadership of Centre County.

Jennifer Cadman, VP, Central Region Mortgage Originator
141 West Beaver Avenue, State College, PA 16801
(814) 231-8025
MLO#640625

“What more can I say about Jennifer? She has been fabulous! From start to finish, she helped us with every step of our mortgage. She is always on top of things and makes sure you are comfortable with your choices. She anticipates, makes suggestions and can see the possibilities. We liked her so much, we went to her for our second mortgage, too! She embodies the idea of full service!” -Erica Amsinger, Customer

Kathleen is an experienced mortgage lender who has spent more than 30 years in the banking field. Over the years, she's worked with everyone from the first-time homebuyer to the most experienced of borrowers, whether purchasing or refinancing. A Schuylkill County native, Kathleen is pleased to serve her local community's mortgage needs. She is a current member of the Make-A-Wish Foundation, the Schuylkill County Chamber of Commerce, and the Schuylkill County Board of Realtors Association. 

Kathleen Tokonitz, South Central Mortgage Manager
45 West Main Street, Schuylkill Haven, PA 17972
(717) 202-3913
MLO# 531735

"I worked with Kathleen on three different occasions. Every time was more and more enjoyable. Kathleen would work long hours just to accommodate our work schedules. It was nice to communicate with someone as courteous, respectful, and helpful with any questions we had. She made home buying a painless process. I would recommend Kathleen Tokonitz to anyone looking to purchase a home." - Angela DiCello, Customer

"Years ago, my wife and I were looking for a loan officer to help us with a mortgage loan. A number of reputable people recommended Kathleen Tokonitz. Two home purchases and a new construction later, we wouldn’t think of reaching out to any other loan officer. Kathleen has been in the mortgage lending business for quite some time and has many great contacts that a buyer may need to turn to during the process (appraisers, home inspectors, insurers, title companies, etc.).  There can be a variety of unforeseen matters that arise during a home purchase or new construction. Having Kathleen as our lender gave my wife and me a sense of calm during what can be a stressful experience. If we were to ever buy or build again (I hope not), Kathleen would be the first call I make." - Jim Spotts, Customer

"For 20 years, I have trusted Kathleen Tokonitz in assisting my clients, friends, and family with their lending needs. Kathleen is knowledgeable about mortgage products and works with buyers to choose a product that best suits the buyer. If there are challenges along the way, she is equipped to face such head-on and is a good problem solver. One key in real estate is communication and keeping our buyers and sellers alike informed along the way. Kathleen is always responsive. Like Realtors, Kathleen is not just a 9 am-5 pm lender. She is available to her clients as they need. Kathleen is a top-notch lender." - Tara Furer- Romig, Associate Broker