Mortgage Originators

Diane Wilson, VP

Mortgage Lending Sales Manager


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, 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

First Citizens Community Bank

1 Pearl Street

Wellsboro, PA 16901

570-723-1609 or 570-724-2600

Fax: 570-724-1701

MLO# 582823

Contact Diane

Kristina Bogaczyk, AVP

Tioga County Mortgage Originator


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 in 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

Tioga County Mortgage Originator

First Citizens Community Bank

15 South Main Street

Mansfield, PA 16933

Phone: (570) 662-0457

Fax: (570) 662-3278

MLO# 528457

Contact Kristina

Cathy Pientka, AVP

Bradford County Mortgage Originator


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

First Citizens Community Bank

306 West Lockhart Street

Sayre, PA 18840

(570) 888-6602

MLO# 528468

Contact Cathy

Jennifer Cadman, VP

Central Region Mortgage Originator


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

First Citizens Community Bank

141 West Beaver Avenue

State College, PA 16801

(814) 231-8025


Contact Jennifer

Jessie Schwalm

South Central Mortgage Originator


When Jessie joined First Citizens as our South Central Mortgage Originator, she brought with her more than ten years' experience in mortgage lending, real estate and management. Over the years, she has built strong relationships with realtors and builders because of her ability to leverage the strengths of her customers and overcome obstacles. She wants every customer to enter the mortgage market with confidence, so Jessie dedicates herself to each person's needs throughout the mortgage process. She works to provide options so her clients are sure to find a mortgage that best fits their needs.

As a graduate of The Harrisburg Area Community College, Jessie has a degree in Business Studies.

Jessie Schwalm

Mortgage Loan Officer

3016 South Pine Grove Street

Fredericksburg, PA 17026

(717) 202-3930


Contact Jessie