Applications / Mortgage Analytics / Lenders / Pennsylvania / Citizens & Northern Bank / Competition
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
Who Citizens & Northern Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NON-METRO PENNSYLVANIA, 2025
Citizens & Northern Bank ranks 14th of 643 lenders in non-metro Pennsylvania, with $79.7M lent: 1.4% of a $5.62B market.
non-metro Pennsylvania is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD, 2025
Citizens & Northern Bank ranks 175th of 784 lenders in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, with $39.4M lent: 0.1% of a $39.87B market.
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — WILLIAMSPORT, PA, 2025
Citizens & Northern Bank ranks 7th of 153 lenders in Williamsport, PA, with $12.6M lent: 3.4% of a $372.1M market.
Williamsport, PA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 59% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — ATLANTIC CITY-HAMMONTON, NJ, 2025
Citizens & Northern Bank ranks 74th of 423 lenders in Atlantic City-Hammonton, NJ, with $10.5M lent: 0.2% of a $4.46B market.
Atlantic City-Hammonton, NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — NON-METRO NEW YORK, 2025
Citizens & Northern Bank ranks 94th of 377 lenders in non-metro New York, with $7.2M lent: 0.2% of a $3.97B market.
non-metro New York is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — GETTYSBURG, PA, 2025
Citizens & Northern Bank ranks 199th of 228 lenders in Gettysburg, PA, with $175K lent: 0.0% of a $592.1M market.
Gettysburg, PA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — MIAMI-FORT LAUDERDALE-WEST PALM BEACH, FL, 2025
Citizens & Northern Bank ranks 603rd of 937 lenders in Miami-Fort Lauderdale-West Palm Beach, FL, with $1.5M lent: 0.0% of a $48.09B market.
Miami-Fort Lauderdale-West Palm Beach, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — LANCASTER, PA, 2025
Citizens & Northern Bank ranks 67th of 365 lenders in Lancaster, PA, with $6.5M lent: 0.2% of a $2.77B market.
Lancaster, PA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Citizens & Northern Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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