CITIZENS & NORTHERN BANK closing costs and rates (2024)
In 2024, CITIZENS & NORTHERN BANK originated 264 purchase mortgages at a median interest rate of 7.00% and median total closing costs of $5,919. That is $822 below the national median of $6,741. CITIZENS & NORTHERN BANK is most active in Pennsylvania with 212 originations there.
Purchase Originations
264
Median Total Costs
$5,919
−12.2% vs national ($6,741)
Median Rate
7.000%
+5.7% vs national (6.620%)
Median Origination
$2,387
Median Lender Credits
$2,500
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 264 | 7.000% | $5,919 | $2,387 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 212 | 7.000% | $5,900 | #98 |
| New York | 51 | 7.000% | $6,137 | #151 |
| New Jersey | 1 | 6.500% | $18,213 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,088 | 6.438% | — | 4 | −$1,831 | |
| 2 | $4,101 | 7.375% | — | 3 | −$1,818 | |
| 3 | $4,404 | 6.625% | — | 22 | −$1,515 | |
| 4 | $4,513 | 6.875% | — | 8 | −$1,406 | |
| 5 | $5,115 | 7.125% | — | 14 | −$804 | |
| 6 | $5,381 | 7.000% | — | 44 | −$538 | |
| 7 | $5,495 | 7.375% | — | 3 | −$424 | |
| 8 | $5,730 | 7.062% | — | 16 | −$189 | |
| 9 | $5,901 | 6.938% | — | 94 | −$18 | |
| 10 | $6,075 | 6.500% | — | 4 | +$156 | |
| 11 | $6,274 | 7.000% | — | 4 | +$355 | |
| 12 | $6,593 | 6.750% | — | 2 | +$674 | |
| 13 | $6,817 | 7.000% | — | 12 | +$898 | |
| 14 | $7,060 | 7.125% | — | 3 | +$1,141 | |
| 15 | $7,665 | 7.000% | — | 3 | +$1,746 | |
| 16 | $8,195 | 7.000% | — | 2 | +$2,276 | |
| 17 | $9,116 | 7.875% | — | 1 | +$3,197 | |
| 18 | $14,273 | 7.250% | — | 2 | +$8,354 | |
| 19 | $15,933 | 6.875% | — | 6 | +$10,014 | |
| 20 | $18,213 | 6.500% | — | 1 | +$12,294 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.