Citizens & Northern Bank Mortgage Lending & HMDA Data, 2021
In 2021, Citizens & Northern Bank of Wellsboro, PA reported 1,348 mortgage applications totaling $261.2 million, down 21% from 2020. The average application was for $193,775, and applicants reported an average income of $103,859. 82% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Williamsport, PA (128), Montgomery County-Bucks County-Chester County, PA (69) and Binghamton, NY (52) (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 | 1,348 |
| Total Mortgage Loan Application Amount | $261,210,000 |
| Average Mortgage Loan Application Amount | $193,775 |
| Highest Mortgage Loan Application Amount | $5,705,000 |
| Average Applicant Income | $103,859 |
| Highest Applicant Income | $2,665,000 |
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(HMDA) records Citizens & Northern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Citizens & Northern Bank in 2021
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 | 687 | $133,285,000 | $194,000 | $2,005,000 | $105,000 | $2,665,000 |
| Refinancing | 384 | $86,270,000 | $224,000 | $5,705,000 | $103,000 | $816,000 |
| Cash-out Refinancing | 137 | $26,235,000 | $191,000 | $605,000 | $109,000 | $780,000 |
| Other Purpose | 79 | $4,875,000 | $61,000 | $325,000 | $103,000 | $1,089,000 |
| Home Improvement | 61 | $10,545,000 | $172,000 | $5,555,000 | $86,000 | $316,000 |
| 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 | 1,227 | $201,485,000 | $164,000 | $1,255,000 | $103,000 | $2,665,000 |
| Not applicable | 69 | $50,145,000 | $726,000 | $5,705,000 | $0 | $0 |
| Not Provided | 29 | $5,525,000 | $190,000 | $785,000 | $153,000 | $760,000 |
| Asian | 11 | $2,095,000 | $190,000 | $305,000 | $162,000 | $482,000 |
| Hispanic | 10 | $1,580,000 | $158,000 | $275,000 | $67,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $21,000 | $21,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,348 | $261,210,000 | $193,000 | $5,705,000 | $104,000 | $2,665,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 1,104 | $212,380,000 | $192,000 | $5,555,000 | $107,000 | $2,665,000 |
| Application Denied By Financial Institution | 113 | $15,835,000 | $140,000 | $825,000 | $69,000 | $429,000 |
| Application Withdrawn By Applicant | 110 | $27,550,000 | $250,000 | $5,705,000 | $119,000 | $816,000 |
| Application Approved But Not Accepted | 15 | $4,675,000 | $311,000 | $1,615,000 | $80,000 | $229,000 |
| File Closed For Incompleteness | 3 | $255,000 | $85,000 | $115,000 | $43,000 | $60,000 |
| Loan Purchased By The Institution | 3 | $515,000 | $171,000 | $195,000 | $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 | 1,235 | $245,375,000 | $198,000 | $5,705,000 | $107,000 | $2,665,000 |
| Debt-To-Income Ratio | 47 | $7,275,000 | $154,000 | $825,000 | $66,000 | $429,000 |
| Credit History | 31 | $2,915,000 | $94,000 | $355,000 | $57,000 | $134,000 |
| Collateral | 27 | $4,095,000 | $151,000 | $505,000 | $89,000 | $335,000 |
| Other | 4 | $970,000 | $242,000 | $455,000 | $66,000 | $95,000 |
| Employment History | 2 | $230,000 | $115,000 | $135,000 | $57,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $95,000 | $95,000 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $53,000 | $53,000 |
| Credit Application Incomplete | 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 2021 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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