Purchase Originations
277
Median Total Costs
$5,061
−24.2% vs national ($6,680)
↓ $858 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,710
Median Lender Credits
$352
Denial Rate
8.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 276 | 6.625% | $5,054 | $1,711 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 240 | 6.625% | $5,064 | #93 |
| New York | 36 | 6.933% | $5,018 | — |
| New Jersey | 1 | 6.750% | $13,620 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,431 | 6.125% | — | 3 | −$1,630 | |
| 2 | $4,058 | 6.625% | — | 6 | −$1,003 | |
| 3 | $4,503 | 6.500% | — | 23 | −$558 | |
| 4 | $4,631 | 6.812% | — | 6 | −$430 | |
| 5 | $4,643 | 6.562% | — | 48 | −$418 | |
| 6 | $4,817 | 6.250% | — | 3 | −$244 | |
| 7 | $4,835 | 6.750% | — | 69 | −$226 | |
| 8 | $4,894 | 7.250% | — | 13 | −$167 | |
| 9 | $4,935 | 6.312% | — | 8 | −$126 | |
| 10 | $5,013 | 6.875% | — | 15 | −$48 | |
| 11 | $5,323 | 6.125% | — | 5 | +$262 | |
| 12 | $5,595 | 6.188% | — | 4 | +$534 | |
| 13 | $5,665 | 6.750% | — | 13 | +$604 | |
| 14 | $5,903 | 6.500% | — | 4 | +$842 | |
| 15 | $6,027 | 6.688% | — | 6 | +$966 | |
| 16 | $6,136 | 7.000% | — | 8 | +$1,075 | |
| 17 | $8,320 | 6.750% | — | 5 | +$3,259 | |
| 18 | $9,348 | 6.250% | — | 4 | +$4,287 | |
| 19 | $11,763 | 7.000% | — | 5 | +$6,702 | |
| 20 | $11,850 | 7.000% | — | 3 | +$6,789 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Citizens & Northern Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $5,061 | $7,127 | −$2,066 (−29.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.