Citizens & Northern Bank Mortgage Lending & HMDA Data, 2025
In 2025, Citizens & Northern Bank of Wellsboro, PA reported 1,162 mortgage applications totaling $227.2 million, up 8% from 2024. The average application was for $195,516, and applicants reported an average income of $136,459. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Williamsport, PA (113), Montgomery County-Bucks County-Chester County, PA (86) and Binghamton, NY (44) (applications in parentheses).
| Mortgage Company & Address | Citizens & Northern Bank Po Box 58, Administration Building Wellsboro, PA 16901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,162 |
| Total Mortgage Loan Application Amount | $227,190,000 |
| Average Mortgage Loan Application Amount | $195,516 |
| Highest Mortgage Loan Application Amount | $7,155,000 |
| Average Applicant Income | $136,459 |
| Highest Applicant Income | $1,920,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens & Northern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bradford, Pennsylvania | 252 | $ 32,840,000 | $ 130,317 | $ 104,000 |
| Tioga, Pennsylvania | 236 | $ 31,610,000 | $ 133,940 | $ 121,000 |
| Lycoming, Pennsylvania | 113 | $ 17,275,000 | $ 152,876 | $ 135,000 |
| Potter, Pennsylvania | 64 | $ 8,560,000 | $ 133,750 | $ 125,000 |
| Bucks, Pennsylvania | 58 | $ 21,740,000 | $ 374,827 | $ 243,000 |
| Sullivan, Pennsylvania | 40 | $ 5,260,000 | $ 131,500 | $ 99,000 |
| Steuben, New York | 38 | $ 5,250,000 | $ 138,157 | $ 112,000 |
| Tioga, New York | 37 | $ 3,795,000 | $ 102,567 | $ 128,000 |
| Lancaster, Pennsylvania | 30 | $ 7,480,000 | $ 249,333 | $ 173,000 |
| Chemung, New York | 28 | $ 4,060,000 | $ 145,000 | $ 112,000 |
| Montgomery, Pennsylvania | 23 | $ 8,075,000 | $ 351,086 | $ 220,000 |
| Northumberland, Pennsylvania | 19 | $ 3,375,000 | $ 177,631 | $ 91,000 |
| Union, Pennsylvania | 19 | $ 3,885,000 | $ 204,473 | $ 93,000 |
| Philadelphia, Pennsylvania | 17 | $ 9,475,000 | $ 557,352 | $ 336,000 |
| Cameron, Pennsylvania | 14 | $ 1,100,000 | $ 78,571 | $ 70,000 |
| York, Pennsylvania | 13 | $ 5,125,000 | $ 394,230 | $ 101,000 |
| Snyder, Pennsylvania | 12 | $ 3,040,000 | $ 253,333 | $ 107,000 |
| Delaware, Pennsylvania | 11 | $ 5,135,000 | $ 466,818 | $ 483,000 |
| Schuyler, New York | 9 | $ 2,505,000 | $ 278,333 | $ 171,000 |
| Susquehanna, Pennsylvania | 9 | $ 2,745,000 | $ 305,000 | $ 173,000 |
| Broome, New York | 7 | $ 1,765,000 | $ 252,142 | $ 139,000 |
| Clinton, Pennsylvania | 7 | $ 1,355,000 | $ 193,571 | $ 113,000 |
| Columbia, Pennsylvania | 7 | $ 1,075,000 | $ 153,571 | $ 152,000 |
| Elk, Pennsylvania | 7 | $ 875,000 | $ 125,000 | $ 76,000 |
| Lackawanna, Pennsylvania | 6 | $ 1,930,000 | $ 321,666 | $ 191,000 |
| McKean, Pennsylvania | 6 | $ 1,070,000 | $ 178,333 | $ 165,000 |
| Wyoming, Pennsylvania | 6 | $ 1,420,000 | $ 236,666 | $ 74,000 |
| Berks, Pennsylvania | 5 | $ 1,315,000 | $ 263,000 | $ 544,000 |
| Chester, Pennsylvania | 5 | $ 2,045,000 | $ 409,000 | $ 334,000 |
| Dauphin, Pennsylvania | 5 | $ 1,815,000 | $ 363,000 | $ 192,000 |
| Luzerne, Pennsylvania | 5 | $ 1,605,000 | $ 321,000 | $ 142,000 |
| Atlantic, New Jersey | 4 | $ 11,170,000 | $ 2,792,500 | $ 480,000 |
| Centre, Pennsylvania | 4 | $ 850,000 | $ 212,500 | $ 102,000 |
| Clearfield, Pennsylvania | 4 | $ 710,000 | $ 177,500 | $ 131,000 |
| Montour, Pennsylvania | 4 | $ 1,620,000 | $ 405,000 | $ 228,000 |
| Allegany, New York | 3 | $ 205,000 | $ 68,333 | $ 77,000 |
| Carbon, Pennsylvania | 3 | $ 505,000 | $ 168,333 | $ 187,000 |
| Schuylkill, Pennsylvania | 3 | $ 715,000 | $ 238,333 | $ 269,000 |
| Cape May, New Jersey | 2 | $ 440,000 | $ 220,000 | $ 160,000 |
| Hudson, New Jersey | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Sussex, New Jersey | 2 | $ 1,180,000 | $ 590,000 | $ 651,000 |
| Sullivan, New York | 2 | $ 470,000 | $ 235,000 | $ 140,000 |
| Clarion, Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 153,000 |
| Cumberland, Pennsylvania | 2 | $ 620,000 | $ 310,000 | $ 129,000 |
| Juniata, Pennsylvania | 2 | $ 370,000 | $ 185,000 | $ 55,000 |
| Miami-Dade, Florida | 1 | $ 395,000 | $ 395,000 | $ 410,000 |
| Palm Beach, Florida | 1 | $ 1,105,000 | $ 1,105,000 | $ 1,711,000 |
| Camden, New Jersey | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Essex, New Jersey | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| Cattaraugus, New York | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Cortland, New York | 1 | $ 35,000 | $ 35,000 | $ 147,000 |
| Livingston, New York | 1 | $ 55,000 | $ 55,000 | $ 124,000 |
| Seneca, New York | 1 | $ 445,000 | $ 445,000 | $ 128,000 |
| Tompkins, New York | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Adams, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Lebanon, Pennsylvania | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Perry, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| Warren, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Wayne, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 77,000 |
Mortgage Loan Application Detail Totals for Citizens & Northern Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 539 | $134,985,000 | $250,000 | $3,005,000 | $143,000 | $1,711,000 |
| Other Purpose | 230 | $22,330,000 | $97,000 | $755,000 | $111,000 | $690,000 |
| Refinancing | 213 | $50,145,000 | $235,000 | $7,155,000 | $133,000 | $856,000 |
| Home Improvement | 175 | $18,405,000 | $105,000 | $995,000 | $155,000 | $1,920,000 |
| Cash-out Refinancing | 5 | $1,325,000 | $265,000 | $335,000 | $101,000 | $152,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 978 | $161,690,000 | $165,000 | $2,405,000 | $133,000 | $1,920,000 |
| Not applicable | 92 | $46,450,000 | $504,000 | $7,155,000 | $0 | $0 |
| Not Provided | 64 | $11,530,000 | $180,000 | $755,000 | $155,000 | $690,000 |
| Hispanic | 11 | $4,275,000 | $388,000 | $1,245,000 | $235,000 | $771,000 |
| Asian | 9 | $1,615,000 | $179,000 | $405,000 | $182,000 | $462,000 |
| Black or African American | 5 | $935,000 | $187,000 | $235,000 | $92,000 | $119,000 |
| American Indian or Alaskan Native | 2 | $210,000 | $105,000 | $185,000 | $61,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $485,000 | $485,000 | $485,000 | $346,000 | $346,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,159 | $226,885,000 | $195,000 | $7,155,000 | $136,000 | $1,920,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $305,000 | $101,000 | $125,000 | $56,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 886 | $182,610,000 | $206,000 | $7,155,000 | $142,000 | $1,711,000 |
| Application Withdrawn By Applicant | 130 | $25,330,000 | $194,000 | $2,005,000 | $157,000 | $1,920,000 |
| Application Denied By Financial Institution | 128 | $16,740,000 | $130,000 | $905,000 | $80,000 | $277,000 |
| Application Approved But Not Accepted | 12 | $1,710,000 | $142,000 | $415,000 | $141,000 | $345,000 |
| File Closed For Incompleteness | 6 | $800,000 | $133,000 | $435,000 | $90,000 | $144,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,034 | $210,450,000 | $203,000 | $7,155,000 | $144,000 | $1,920,000 |
| Debt-To-Income Ratio | 66 | $9,900,000 | $150,000 | $905,000 | $69,000 | $229,000 |
| Credit History | 30 | $2,510,000 | $83,000 | $315,000 | $77,000 | $225,000 |
| Collateral | 19 | $2,795,000 | $147,000 | $465,000 | $127,000 | $277,000 |
| Other | 12 | $1,130,000 | $94,000 | $265,000 | $67,000 | $138,000 |
| Unverifiable Information | 1 | $405,000 | $405,000 | $405,000 | $130,000 | $130,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens & Northern Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens & Northern Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.
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