Lender in Pennsylvania · HMDA 2025
Citizens & Northern Bank mortgages in Pennsylvania
Citizens & Northern Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Citizens & Northern Bank originated 242 owner-occupied single-family loans in Pennsylvania from 263 completed applications.
Its median conventional purchase loan costs were $5,040 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
242
of 263 applications
Denial rate
7.9%
Purchase · PA 6.7%
Rate spread
+0.45 pts
Conv. · PA +0.17 pts
Loan amount
$215,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 229 | 210 | 7.9% | 6.500% | +0.45 pts | $5,040 | $215,000 |
| Refinance | 30 | 28 | 6.7% | — | +0.91 pts | $640 | $125,000 |
| Cash-out refinance | 4 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Citizens & Northern Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sullivan County | 1 | 10 | 22.2% |
| Bradford County | 2 | 60 | 12.1% |
| Tioga County | 2 | 46 | 13.9% |
| Potter County | 2 | 16 | 13.3% |
| Cameron County | 2 | 4 | 17.4% |
| Snyder County | 9 | 6 | 2.4% |
| Lycoming County | 10 | 26 | 2.5% |
| Elk County | 14 | 3 | 1.2% |
| Susquehanna County | 16 | 6 | 1.8% |
| Union County | 17 | 4 | 1.3% |
| Montour County | 20 | 2 | 1.1% |
| Northumberland County | 23 | 8 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology