Citizens & Northern Bank Mortgage Lending & HMDA Data, 2022
In 2022, Citizens & Northern Bank of Wellsboro, PA reported 1,335 mortgage applications totaling $299.4 million, down 1% from 2021. The average application was for $224,303, and applicants reported an average income of $118,097. 82% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Williamsport, PA (129), Montgomery County-Bucks County-Chester County, PA (92) and Binghamton, NY (61) (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 | 1,335 |
| Total Mortgage Loan Application Amount | $299,445,000 |
| Average Mortgage Loan Application Amount | $224,303 |
| Highest Mortgage Loan Application Amount | $18,705,000 |
| Average Applicant Income | $118,097 |
| Highest Applicant Income | $3,190,000 |
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(HMDA) records Citizens & Northern Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 592 | $201,290,000 | $340,000 | $18,705,000 | $129,000 | $3,190,000 |
| Refinancing | 305 | $54,195,000 | $177,000 | $2,005,000 | $104,000 | $634,000 |
| Other Purpose | 289 | $28,775,000 | $99,000 | $1,025,000 | $124,000 | $1,527,000 |
| Home Improvement | 135 | $12,815,000 | $94,000 | $1,605,000 | $92,000 | $295,000 |
| Cash-out Refinancing | 14 | $2,370,000 | $169,000 | $335,000 | $94,000 | $200,000 |
| 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 | 1,186 | $178,560,000 | $150,000 | $1,505,000 | $117,000 | $3,190,000 |
| Not applicable | 100 | $112,350,000 | $1,123,000 | $18,705,000 | $0 | $0 |
| Not Provided | 34 | $4,570,000 | $134,000 | $505,000 | $116,000 | $418,000 |
| Hispanic | 8 | $870,000 | $108,000 | $215,000 | $109,000 | $183,000 |
| Asian | 6 | $2,930,000 | $488,000 | $655,000 | $397,000 | $584,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $56,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 1,334 | $299,290,000 | $224,000 | $18,705,000 | $118,000 | $3,190,000 |
| VA-guaranteed (Veterans Administration) | 1 | $155,000 | $155,000 | $155,000 | $54,000 | $54,000 |
| 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 |
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 | 1,095 | $263,465,000 | $240,000 | $18,705,000 | $120,000 | $3,190,000 |
| Application Denied By Financial Institution | 124 | $13,270,000 | $107,000 | $655,000 | $73,000 | $272,000 |
| Application Withdrawn By Applicant | 91 | $18,205,000 | $200,000 | $1,505,000 | $151,000 | $1,527,000 |
| Application Approved But Not Accepted | 14 | $1,370,000 | $97,000 | $265,000 | $131,000 | $295,000 |
| File Closed For Incompleteness | 9 | $2,815,000 | $312,000 | $545,000 | $189,000 | $500,000 |
| Loan Purchased By The Institution | 2 | $320,000 | $160,000 | $165,000 | $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 | 1,211 | $286,175,000 | $236,000 | $18,705,000 | $123,000 | $3,190,000 |
| Debt-To-Income Ratio | 47 | $4,565,000 | $97,000 | $655,000 | $73,000 | $208,000 |
| Credit History | 46 | $4,000,000 | $86,000 | $595,000 | $60,000 | $158,000 |
| Collateral | 21 | $3,485,000 | $165,000 | $505,000 | $99,000 | $272,000 |
| Other | 6 | $810,000 | $135,000 | $195,000 | $77,000 | $188,000 |
| Employment History | 2 | $230,000 | $115,000 | $145,000 | $54,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| 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 2022 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About