Citizens & Northern Bank reported 129 applications for homes in New York in the HMDA data of 2025.
It originated 94 loans in the state in 2025, for $13.4 million in total.
The median interest rate of these loans in 2025 was 7.000%, and the median of all lenders in New York was 6.500%.
The median total loan costs in 2025 were $4,964, and the state median was $6,527.
It denied 10.9% of the applications that it decided in the state in 2025, and the state denial rate was 24.0%.
Filed figures of Citizens & Northern Bank in New York, 2025
Figure
In NY
Lender, all states
NY, all lenders
Applications
129
1,162
389,757
Loans originated
94
886
232,239
Median interest rate
7.000%
6.875%
6.500%
Median total loan costs
$4,964
$4,817
$6,527
Denial rate
10.9%
12.5%
24.0%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Citizens & Northern Bank in New York, 2025Each value has the median of all lenders in New York under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in NY
43
7.000%NY 6.500%
$4,964NY $6,527
$1,807NY $1,990
n/aNY $2,475
n/aNY $659
0.539NY 0.152
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.539 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,617 more a year, or $135 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in New York. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Citizens & Northern Bank were in New York in 2025?
94 of its loans originated, out of 886 in all states. That is 10.6%.
In which counties of New York did Citizens & Northern Bank originate the most loans in 2025?
The three with the most loans were Steuben County (28), Tioga County (24) and Chemung County (21).
Which loan types did Citizens & Northern Bank originate in New York in 2025?
All its loans in the state were of one type: 94 conventional.
How did the applications of Citizens & Northern Bank in New York change from 2022 to 2025?
It reported 164 applications in 2022 and 129 in 2025.