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Citizens & Northern Bank

Bank•Wellsboro, PAHQ•Direct•Reviews near you on Google

Citizens & Northern Bank has 265 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Sound
3/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Rates typically 55 basis points above market average

Explore another lender or local market

Report Card

Citizens & Northern Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+54.7 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
261 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
247 loans · 0.53% above market
Sound
Top 60% of lenders
3/5
Refinance
18 loans · 0.73% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume261
Mix98.5%
Spread
+0.549%Above
Fees
$2,385Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume247
Mix93.2%
Spread
+0.534%Above
Fees
$2,373Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume18
Mix6.8%
Spread
+0.726%Above
Fees
$2,942Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
265
Applications
380
Volume
$65 million
Pricing & Closing
Avg Rate Spread
+0.547%
vs. market APOR
Avg Net Fees
$2,413
Origination − Credits
Pullthrough Rate
69.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$248,472
Avg Borrower Income
$173,845
Avg Property Value
$340,472

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 5050+None
Northeast3
NJNYPA
South1
FL

Top Metro Areas by Place Specialization Score

1© Doug Kerr from Albany, NY, United States · CC BY-SA 2.0
Williamsport, PAMetro
Volume 19Mix 7.17% of portfolio
61/100
Strong
2© Kenneth C. Zirkel · CC BY 4.0
Elmira, NYMetro
Volume 14Mix 5.28% of portfolio
53/100
Sound
3© Vmanjr · CC BY-SA 3.0
Binghamton, NYMetro
Volume 15Mix 5.66% of portfolio
52/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 215Mix 81.13% of portfolio
76/100
Strong
New York
New York
2
New YorkState
Volume 47Mix 17.74% of portfolio
57/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.