CITIZENS & NORTHERN BANK
CITIZENS & NORTHERN BANK received 1,162 applications in 2025 and made 886 mortgages, in 60 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $125,000. Of 1,026 decisions, 128 were denials — 12.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900SK7KTN4QNPHP32 |
|---|---|
| Applications received | 1,162 |
| Mortgages made | 886 |
| Denied | 128 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 136 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.31 points |
| FDIC-insured bank | Yes: Citizens & Northern Bank, 35 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 416 | 6.875% | $185,000 | 9.1% |
| Refinancing | 171 | 7.125% | $125,000 | 10.8% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 295 | 7.250% | $65,000 | 17.7% |
Where CITIZENS & NORTHERN BANK lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bradford County, PA | 200 | 7.125% | 9.9% |
| Tioga County, PA | 180 | 7.125% | 14.6% |
| Lycoming County, PA | 80 | 6.500% | 17.2% |
| Potter County, PA | 50 | 7.125% | 7.1% |
| Bucks County, PA | 43 | 7.250% | 15.7% |
| Sullivan County, PA | 30 | 7.125% | 13.9% |
| Steuben County, NY | 28 | 7.250% | 12.1% |
| Lancaster County, PA | 25 | 6.960% | 7.1% |
| Tioga County, NY | 24 | 7.200% | 16.1% |
| Chemung County, NY | 21 | 7.250% | 8.7% |
| Philadelphia County, PA | 17 | 7.090% | 0.0% |
| Northumberland County, PA | 14 | 6.500% | 6.7% |
| Cameron County, PA | 13 | 7.250% | 0.0% |
| Montgomery County, PA | 13 | 7.000% | 31.6% |
| York County, PA | 13 | 7.125% | 0.0% |
| Union County, PA | 12 | 7.125% | 20.0% |
| Delaware County, PA | 10 | 6.975% | 0.0% |
| Susquehanna County, PA | 8 | Under 10 loans | 11.1% |
| Schuyler County, NY | 7 | Under 10 loans | 0.0% |
| Clinton County, PA | 7 | Under 10 loans | 0.0% |
| Snyder County, PA | 7 | Under 10 loans | 22.2% |
| Broome County, NY | 5 | Under 10 loans | 16.7% |
| Dauphin County, PA | 5 | Under 10 loans | 0.0% |
| Berks County, PA | 4 | Under 10 loans | 0.0% |
| Chester County, PA | 4 | Under 10 loans | 0.0% |
| Clearfield County, PA | 4 | Under 10 loans | 0.0% |
| Columbia County, PA | 4 | Under 10 loans | 33.3% |
| Elk County, PA | 4 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 4 | Under 10 loans | 33.3% |
| McKean County, PA | 4 | Under 10 loans | 20.0% |
| Montour County, PA | 4 | Under 10 loans | 0.0% |
| Wyoming County, PA | 4 | Under 10 loans | 33.3% |
| Atlantic County, NJ | 3 | Under 10 loans | 25.0% |
| Luzerne County, PA | 3 | Under 10 loans | 40.0% |
| Hudson County, NJ | 2 | Under 10 loans | 0.0% |
| Allegany County, NY | 2 | Under 10 loans | 0.0% |
| Sullivan County, NY | 2 | Under 10 loans | 0.0% |
| Carbon County, PA | 2 | Under 10 loans | 33.3% |
| Centre County, PA | 2 | Under 10 loans | 33.3% |
| Clarion County, PA | 2 | Under 10 loans | 0.0% |
| Cumberland County, PA | 2 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 2 | Under 10 loans | 33.3% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Essex County, NJ | 1 | Under 10 loans | 0.0% |
| Sussex County, NJ | 1 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 1 | Under 10 loans | 0.0% |
| Cortland County, NY | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.