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CITIZENS & NORTHERN BANK

WELLSBORO, PA

CITIZENS & NORTHERN BANK processed 1,080 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 788 loans with a 11.6% denial rate. Home Purchase was the primary loan purpose. Based in WELLSBORO, PA. The approval rate of 73.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. CITIZENS & NORTHERN BANK processed 1,080 HMDA-reported mortgage applications in 2024, originating 788 loans and denying 125 for a denial rate of 11.6% (applicants themselves withdrew 144 files before a decision). The average loan amount was $181,593 at a 7.653% average note rate, and applicants self-reported an average income of $33,000. The lender reports under LEI 254900SK7KTN4QNPHP32 from WELLSBORO, PA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. CITIZENS & NORTHERN BANK's 73.0% origination rate tells you how often an application turned into funded money; the 11.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,080 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,080
Applications
788
Originated
11.6%
Denial Rate
$181,593
Avg Loan Amount
Avg Interest Rate: 7.653% Avg Applicant Income: $33,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,080 788 125 $181,593

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for CITIZENS & NORTHERN BANK (LEI: 254900SK7KTN4QNPHP32) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
56
Credit history
51
Collateral
21
Other
15
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 535 393 $230,402
Other 236 166 $91,610
Home Improvement 160 117 $100,375
Refinancing 139 106 $233,417
Cash-out Refinancing 10 6 $273,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 925 73.0% 11.3%
Asian 14 64.3% 14.3%
Joint 9 66.7% 0.0%
Black or African American 8 37.5% 25.0%
American Indian or Alaska Native 4 25.0% 25.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 931 72.7% 11.5%
Hispanic or Latino 12 50.0% 8.3%
Joint 8 75.0% 0.0%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

NEWREZ LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

PNC BANK N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

SPRING EQ, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

NVR MORTGAGE FINANCE, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

FIRST NATIONAL BANK OF PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare CITIZENS & NORTHERN BANK vs NEWREZ LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did CITIZENS & NORTHERN BANK process?
CITIZENS & NORTHERN BANK processed 1,080 mortgage applications in the 2023 HMDA reporting year. Of these, 788 were originated (approved and funded), 144 were withdrawn by the applicant, and 125 were denied.
What is CITIZENS & NORTHERN BANK's mortgage approval rate?
CITIZENS & NORTHERN BANK has an approval (origination) rate of 73.0%, meaning 73.0% of all applications resulted in a funded mortgage. The denial rate is 11.6%.
What is the average loan amount at CITIZENS & NORTHERN BANK?
The average mortgage loan amount at CITIZENS & NORTHERN BANK is $181,593. The average interest rate is 7.653%. The average applicant income is $33,000.
What are the most common reasons for mortgage denial at CITIZENS & NORTHERN BANK?
The most common reasons for mortgage denial at CITIZENS & NORTHERN BANK are: Debt-to-income ratio, Credit history, Collateral. In total, 125 applications were denied out of 1,080 total applications.
What types of mortgage loans does CITIZENS & NORTHERN BANK offer?
CITIZENS & NORTHERN BANK processes Conventional loans. The most common type is Conventional with 1,080 applications and an average loan amount of $181,593.
What loan purposes does CITIZENS & NORTHERN BANK serve?
CITIZENS & NORTHERN BANK serves the following loan purposes: Home Purchase (535 applications), Other (236 applications), Home Improvement (160 applications), Refinancing (139 applications), Cash-out Refinancing (10 applications). Home Purchase is the most common purpose.
Where is CITIZENS & NORTHERN BANK located?
CITIZENS & NORTHERN BANK is headquartered in WELLSBORO, PA. The lender is identified by LEI 254900SK7KTN4QNPHP32 in HMDA data.
How does CITIZENS & NORTHERN BANK compare in lending across racial demographics?
CITIZENS & NORTHERN BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 73.0% and denial rate of 11.3%; Asian applicants have an approval rate of 64.3% and denial rate of 14.3%; Joint applicants have an approval rate of 66.7% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.