# CITIZENS & NORTHERN BANK

> **Canonical URL:** https://saferate.com/lenders/citizens-northern-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CITIZENS & NORTHERN BANK is a bank, headquartered in Wellsboro, PA, serving borrowers across 4 states, with 265 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900SK7KTN4QNPHP32
- **Headquarters:** Wellsboro, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, NJ, NY, PA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.547%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,413
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 265
- **Dollar Volume:** $66 million
- **Applications Received:** 380
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $248,472
- **Average Borrower Income:** $173,845
- **Average Property Value:** $340,472

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 261 | +0.549% | $2,385 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 244 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 247 | $60M | +0.534% | Sound ☺️ |
| Refinance | 27/100 | 18 | $6M | +0.726% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 215 | 0.18% | 76/100 |
| NY | 47 | 0.04% | 57/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 187 | 67/100 |
| Williamsport, PA | PA | 19 | 61/100 |
| Binghamton, NY | NY | 15 | 52/100 |
| Elmira, NY | NY | 14 | 53/100 |

## Where This Lender Ranks

CITIZENS & NORTHERN BANK appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Williamsport, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Elmira, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Williamsport, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Binghamton, NY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Elmira, NY for Conventional Loans
  - [View Full Rankings](https://saferate.com/elmira-ny/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CITIZENS & NORTHERN BANK offer?

CITIZENS & NORTHERN BANK offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CITIZENS & NORTHERN BANK offer mortgages?

CITIZENS & NORTHERN BANK offers mortgages in 4 states: FL, NJ, NY, PA.

### How competitive are CITIZENS & NORTHERN BANK's mortgage rates?

CITIZENS & NORTHERN BANK has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.547% above market average.

### What type of lender is CITIZENS & NORTHERN BANK?

CITIZENS & NORTHERN BANK is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wellsboro, PA.

### What is CITIZENS & NORTHERN BANK's loan approval success rate?

CITIZENS & NORTHERN BANK has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citizens-northern-bank

### How to Cite

> "CITIZENS & NORTHERN BANK Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-northern-bank

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