Lender profile · HMDA 2023–2025
Citizens & Northern Bank mortgage approval rates & lending data
Citizens & Northern Bank decided 557 mortgage applications and funded 478 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| New York | 82% | $245K | 17 | 13 |
| Florida | 100% | $505K | 5 | 5 |
| Delaware | 100% | $375K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.