Applications / Mortgage Analytics / Lenders / Pennsylvania / Citizens & Northern Bank
Wellsboro, PA · State member bank · FRS · $3.1 billion assets · 886 loans in 2025
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886
loans originated, 2025
1,162
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens & Northern Bank is a rural Pennsylvania lender with a large manufactured-home business, and it grew 12% in 2025, faster than similar lenders, ranking seventh in Williamsport.
Manufactured homes were 8.2% of its loans, against 1.3% at similar lenders (state member banks making between half and twice as many loans), more than nearly nine in ten of them. Its typical loan was $125,000, against $200,000, and it made no FHA or VA loans.
Higher-priced loans (a rate well above the average for similar loans) were 4.8% of its originations, against 1.1% at peers, down from 8.2% five years before. Manufactured-home loans are often priced this way, and at 8.2% of its lending they could account for most of the difference.
Originations rose 12% to 886, against 7% at peers and 10% in the whole market. It ranked 7 of 153 in Williamsport, where it has lent since before 1990, and its share rose 0.8 points to 3.4%. Its 2025 merger with Susquehanna Community Bank, whose filings count toward it in market figures, is one possible part of that gain.
Its largest market is non-metro Pennsylvania, where it ranked 14 of 643. LMI (low- and moderate-income) areas took 11.7% of its loans, lower than about four in five peers (16.3%); a mostly rural footprint is a possible reason. LMI borrowers took 28.7%, near the middle of peers (27.9%).
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens & Northern Bank took 1,162 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.0% · Refinance 19.8% · Other 17.4% · Home improvement 15.9%
Conventional 99.9% · USDA (RHS or FSA) 0.1% · of 886 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 781 | 88.1% |
| New York | 94 | 10.6% |
| New Jersey | 9 | 1.0% |
| Florida | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 80 |
| Montgomery County-Bucks County-Chester County | 60 |
| Binghamton | 29 |
| Philadelphia | 27 |
| Lancaster | 25 |
| Elmira | 21 |
| York-Hanover | 13 |
| Scranton--Wilkes-Barre | 11 |
| Harrisburg-Carlisle | 7 |
| Atlantic City-Hammonton | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SK7KTN4QNPHP32 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 895710 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 37799 | 1990–2017 |
Established 1 January 1864. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Citizens & Northern Bank's data.
Citizens & Northern Bank's data
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Citizens & Northern Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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