C
Unclaimed

Citizens & Northern Bank

Bank•Wellsboro, PA•Direct

Citizens Northern Bank has 265 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional
Place
Sound
Regional · 3 mkts

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Safe Rate's Summary

Things to Think About

  • Rates typically 55 basis points above market average

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Report Card

Citizens & Northern Bank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+54.7 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Strong
Acceptable
Sound
26198.5%
+0.549%Above
$2,385Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Sound
24793.2%
+0.534%Above
$2,373Fees
Refinance
Acceptable
Acceptable
—
Acceptable
186.8%
+0.726%Above
$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
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

FLNJNYPA

Top Metro Areas by Place Specialization Score

1
Williamsport, PA, PAMSA
Volume: 19Mix: 7.17%of portfolio
Place
Strong
2
Elmira, NY, NYMSA
Volume: 14Mix: 5.28%of portfolio
Place
Sound
3
Binghamton, NY, NYMSA
Volume: 15Mix: 5.66%of portfolio
Place
Sound

Top States by Place Specialization Score

1
PAState
Volume: 215Mix: 81.13%of portfolio
Place
Strong
2
NYState
Volume: 47Mix: 17.74%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.