Citizens & Northern Bank mortgage approval rate & lending review
Citizens & Northern Bank decided 557 mortgage applications and funded 478 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Citizens & Northern Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Citizens & Northern Bank at a glance
Approval is 8.2 points above the 79.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 194 / 215 | 98% | $205K | 191 |
| Home improvement loans | 83% | 77 / 93 | 97% | $95K | 75 |
| Refinance | 85% | 93 / 109 | 100% | $255K | 93 |
| Investment property purchase | 95% | 76 / 80 | 95% | $195K | 72 |
| Investment refinance | 89% | 34 / 38 | 97% | $305K | 33 |
Citizens & Northern Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 88% | $165K | 508 | 436 |
| New Jersey | 88% | $345K | 26 | 23 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Citizens & Northern Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lycoming County, PA | Mortgage lenders | 94% | 90 | 83 |
| Lycoming County, PA | Home improvement loans | 97% | 34 | 33 |
| Lycoming County, PA | Refinance | 76% | 41 | 31 |
| Bucks County, PA | Refinance | 86% | 28 | 24 |
| Bucks County, PA | Home improvement loans | 71% | 21 | 14 |
The county markets where Citizens & Northern Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Citizens & Northern Bank
What is Citizens & Northern Bank's mortgage approval rate?
Citizens & Northern Bank approved 87.6% of the 557 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.2 points above the 79.4% national rate for the same mix of loan types.
How often do borrowers take the loan Citizens & Northern Bank offers?
Borrowers accepted 98% of the loans Citizens & Northern Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Citizens & Northern Bank make?
The typical home purchase mortgage loan Citizens & Northern Bank made was $205K; across all loan types its typical loan ran from $95K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Citizens & Northern Bank lend?
Citizens & Northern Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and New York.
Can I apply to Citizens & Northern Bank directly?
Yes. Citizens & Northern Bank is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Citizens & Northern Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Citizens & Northern Bank treats applications, then get a rate quote from the lender.