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Citizens & Northern Bank

Bank•Wellsboro, PAHQ•Direct•Reviews near you on Google

Citizens & Northern Bank has 265 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 55 basis points above market average

Explore another lender or local market

Report Card

Citizens & Northern Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+54.7 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
261 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
247 loans · 0.53% above market
Sound
Top 60% of lenders
3/5
Refinance
18 loans · 0.73% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume261
Mix98.5%
Spread
+0.549%Above
Fees
$2,385Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume247
Mix93.2%
Spread
+0.534%Above
Fees
$2,373Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume18
Mix6.8%
Spread
+0.726%Above
Fees
$2,942Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
265
Applications
380
Volume
$65 million
Pricing & Closing
Avg Rate Spread
+0.547%
vs. market APOR
Avg Net Fees
$2,413
Origination − Credits
Pullthrough Rate
69.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$248,472
Avg Borrower Income
$173,845
Avg Property Value
$340,472

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 5050+None
Northeast3
NJNYPA
South1
FL

Top Metro Areas by Place Specialization Score

1© Doug Kerr from Albany, NY, United States · CC BY-SA 2.0
Williamsport, PAMetro
Volume 19Mix 7.17% of portfolio
61/100
Strong
2© Kenneth C. Zirkel · CC BY 4.0
Elmira, NYMetro
Volume 14Mix 5.28% of portfolio
53/100
Sound
3© Vmanjr · CC BY-SA 3.0
Binghamton, NYMetro
Volume 15Mix 5.66% of portfolio
52/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 215Mix 81.13% of portfolio
76/100
Strong
New York
New York
2
New YorkState
Volume 47Mix 17.74% of portfolio
57/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.