Lenders › Citizens & Northern Bank › Pennsylvania
Citizens & Northern Bank in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
Citizens & Northern Bank's 2024 HMDA record for Pennsylvania covers 939 applications, 694 of them originated, worth $122m.
Its denial rate in the state was 13.0%, below the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 13.1%.
The median rate spread on its Pennsylvania originations was 0.4 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | Citizens & Northern Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.0% | 24.2% | 13.1% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.8% | 14.1% | 10.5% | 15.6% |
| Average originated loan | $176k | $226k | $182k | $329k |
| Home purchase share | 47.3% | 48.7% | 50.1% | 57.0% |
| FHA-insured share | 0.0% | 9.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 47% (328)Home improvement 15% (104)Refinancing 14% (100)Cash-out refinancing 1% (6)Other purpose 22% (156)
By type
Conventional 100% (694)
Denial reasons as coded
Share of 106 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bradford County | 313 | 243 | $32m | 9.7% |
| Tioga County | 229 | 169 | $21m | 14.1% |
| Lycoming County | 89 | 70 | $9.0m | 10.0% |
| Potter County | 52 | 35 | $4.9m | 22.2% |
| Bucks County | 41 | 26 | $12m | 25.7% |
| Sullivan County | 25 | 18 | $2.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Citizens & Northern Bank originate in Pennsylvania in 2024?
694 loans totalling $122m, from 939 applications reported for properties in Pennsylvania.
What is Citizens & Northern Bank's denial rate in Pennsylvania?
13.0% of decided applications in Pennsylvania were denied, against 24.2% for all lenders in the state and 13.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Pennsylvania counties does Citizens & Northern Bank lend in most?
By originations: Bradford County (243), Tioga County (169), Lycoming County (70), Potter County (35), Bucks County (26).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.