Citizens & Northern Bank in Pennsylvania vs the state
11.3%Denial rate-7.00 pts vs state
12.7%Decision denial rate-9.49 pts vs state
76.6%Origination rate+15.68 pts vs state
7.00%Median rate+0.38 pts vs state
0.31Rate spread (pts)+0.07 pts vs state
$98kMedian applicant income
781Loans originated
115Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 973 | 764 | 12.2% | 7.25% | #80 |
| 2024 | 939 | 694 | 11.3% | 7.63% | #85 |
| 2025 | 1,019 | 781 | 11.3% | 7.00% | #86 |
What Citizens & Northern Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Citizens & Northern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bradford County | 252 | 200 | 22 | 8.7% |
| Tioga County | 236 | 180 | 31 | 13.1% |
| Lycoming County | 113 | 80 | 17 | 15.0% |
| Potter County | 64 | 50 | 4 | 6.3% |
| Bucks County | 58 | 43 | 8 | 13.8% |
| Sullivan County | 40 | 30 | 5 | 12.5% |
| Lancaster County | 30 | 25 | 2 | 6.7% |
| Montgomery County | 23 | 13 | 6 | 26.1% |
| Northumberland County | 19 | 14 | 1 | 5.3% |
| Union County | 19 | 12 | 3 | 15.8% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,019 applications in 2025, of which 781 were originated and 115 denied.
11.3% of all applications, or 12.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Citizens & Northern Bank originated in Pennsylvania in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Citizens & Northern Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology