Citizens & Northern Bank in New York vs the state
9.3%Denial rate-10.45 pts vs state
10.9%Decision denial rate-13.13 pts vs state
72.9%Origination rate+13.28 pts vs state
7.25%Median rate+0.63 pts vs state
0.32Rate spread (pts)+0.11 pts vs state
$99kMedian applicant income
94Loans originated
12Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 87 | 13.8% | 7.13% | #244 |
| 2024 | 124 | 84 | 12.1% | 7.13% | #238 |
| 2025 | 129 | 94 | 9.3% | 7.25% | #244 |
What Citizens & Northern Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Citizens & Northern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Steuben County | 38 | 28 | 4 | 10.5% |
| Tioga County | 37 | 24 | 5 | 13.5% |
| Chemung County | 28 | 21 | 2 | 7.1% |
| Schuyler County | 9 | 7 | 0 | 0.0% |
| Broome County | 7 | 5 | 1 | 14.3% |
| Allegany County | 3 | 2 | 0 | 0.0% |
| Sullivan County | 2 | 2 | 0 | 0.0% |
| Cattaraugus County | 1 | 1 | 0 | 0.0% |
| Livingston County | 1 | 1 | 0 | 0.0% |
| Cortland County | 1 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 129 applications in 2025, of which 94 were originated and 12 denied.
9.3% of all applications, or 10.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Citizens & Northern Bank originated in New York in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Citizens & Northern Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology