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The Lender Report built this page from public records. Citizens & Northern Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Citizens & Northern Bank itself. Each figure shows its source and date. Work at Citizens & Northern Bank? You can claim this page for free.
Multifamily record
Citizens & Northern Bank: multifamily loans made
Citizens & Northern Bank, a bank based in Wellsboro, PA, made 58 multifamily loans in 2024 and 2025, $40M in all, in 3 states. The typical loan was about $600K, and the largest about $3M. Most were in Philadelphia County, PA.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 58
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $40.0M
- HMDA,
- Rounded amounts
- Typical loan
- $600K
- HMDA,
- Largest loan
- $3M
- HMDA,
- Rounded to 2 significant figures
- States
- 3
- HMDA,
Cite this
Source: The Lender Report, Citizens & Northern Bank: multifamily loans made, https://lender.report/lender/citizens-and-northern-bank-pa/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Lebanon County, PA | Purchase, 5 to 24 units | $3M | 6.58% | 10 yr | 75% | HMDA 2025 |
| 2025 | Bucks County, PA | Purchase, 5 to 24 units | $2.3M | 7.5% | 5 yr | 63% | HMDA 2025 |
| 2025 | Delaware County, PA | Purchase, 5 to 24 units | $1.4M | 6.41% | 5.5 yr | 59% | HMDA 2025 |
| 2025 | York County, PA | Purchase, 25 to 49 units | $1.4M | 6.68% | 10 yr | 75% | HMDA 2025 |
| 2025 | New York | Purchase, 5 to 24 units | $1.3M | 7.25% | 5 yr | 75% | HMDA 2025 |
| 2025 | Essex County, NJ | Purchase, 5 to 24 units | $1.1M | 6.34% | 10 yr | 74% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Purchase, 5 to 24 units | $1.1M | 6.75% | 10 yr | 64% | HMDA 2025 |
| 2025 | Camden County, NJ | Purchase, 5 to 24 units | $1M | 8.5% | 56% | HMDA 2025 | |
| 2025 | Philadelphia County, PA | Refinance, 5 to 24 units | $1M | 6.44% | 10 yr | 34% | HMDA 2025 |
| 2025 | York County, PA | Purchase, 5 to 24 units | $1M | 6.68% | 10 yr | 71% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Purchase, 5 to 24 units | $960K | 6.42% | 10 yr | 75% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Purchase, 5 to 24 units | $960K | 6.56% | 5 yr | 60% | HMDA 2025 |
| 2025 | Montgomery County, PA | Purchase, 5 to 24 units | $940K | 7.13% | 5 yr | 75% | HMDA 2025 |
| 2025 | Delaware County, PA | Refinance, 5 to 24 units | $900K | 6.54% | 10 yr | 75% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Refinance, 5 to 24 units | $780K | 7.1% | 8 yr | 65% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Refinance, 5 to 24 units | $760K | 7.1% | 8 yr | 57% | HMDA 2025 |
| 2025 | York County, PA | Improvement, 5 to 24 units | $720K | 7.5% | 10 yr | 60% | HMDA 2025 |
| 2025 | Philadelphia County, PA | Refinance, 5 to 24 units | $700K | 7.1% | 8 yr | 55% | HMDA 2025 |
| 2025 | Hudson County, NJ | Purchase, 5 to 24 units | $680K | 7.01% | 6 yr | 60% | HMDA 2025 |
| 2025 | Lancaster County, PA | Refinance, 5 to 24 units | $600K | 6.58% | 10 yr | 52% | HMDA 2025 |
| 2025 | Chester County, PA | Purchase, 5 to 24 units | $580K | 6.7% | 5.5 yr | 83% | HMDA 2025 |
| 2025 | Pennsylvania | Purchase, 5 to 24 units | $580K | 7.25% | 20 yr | 95% | HMDA 2025 |
| 2025 | York County, PA | Purchase, 5 to 24 units | $520K | 7.35% | 25 yr | 71% | HMDA 2025 |
| 2025 | Pennsylvania | Improvement, 5 to 24 units | $460K | 7.4% | 20.5 yr | 56% | HMDA 2025 |
| 2025 | Delaware County, PA | Improvement, 5 to 24 units | $400K | 7.75% | 1 yr | 76% | HMDA 2025 |
| 58 multifamily loans made in 2024 and 2025 | $40.0M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Philadelphia County, PA | County | 12 | $9.20M |
| York County, PA | County | 8 | $5.76M |
| Pennsylvania | State | 7 | $1.75M |
| Delaware County, PA | County | 4 | $3.26M |
| Lancaster County, PA | County | 4 | $2.38M |
| Bucks County, PA | County | 3 | $3.72M |
| Northumberland County, PA | County | 3 | $1.32M |
| Lebanon County, PA | County | 2 | $4.80M |
| Lycoming County, PA | County | 2 | $480K |
| Montgomery County, PA | County | 2 | $1.34M |
| Tioga County, PA | County | 2 | $480K |
| Camden County, NJ | County | 1 | $1.00M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 45 | $21.3M |
| $1M to $2.5M | 12 | $15.7M |
| $2.5M to $5M | 1 | $3.00M |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 22 | $12.9M | $500K |
| 2025 | 36 | $27.2M | $700K |
| Purpose | Loans |
|---|---|
| Purchase | 33 |
| Refinance | 16 |
| Improvement | 9 |
| Units | Loans |
|---|---|
| 5 to 24 units | 55 |
| 25 to 49 units | 3 |
- Citizens & Northern Bank made 58 multifamily loans totaling $40M in 2024 and 2025, in 20 named places across 3 states. HMDA,
- It made 36 of them in 2025 and 22 in 2024. HMDA,
- The typical loan was about $600K, with the middle half between $260K and $960K. HMDA,
- The largest was about $3M. Every amount is rounded to 2 significant figures. HMDA,
- 45 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 7.25% on 58 loans, with the middle half between 6.75% and 7.75%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 65%. HMDA,
- 28% of the loans were refinancings and 57% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 55 loans. HMDA,
- Its loans were most often in Philadelphia County, PA (12), York County, PA (8) and Delaware County, PA (4). HMDA,
What we don't know
- Whether Citizens & Northern Bank is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.