Wood-based panels are commonly used as building materials for interior and exterior purposes. Their production and utilization have increased over the past decades due to the useful properties they present. Adhesive-bonded products make up to 80% of the wood alternatives on the global market, and of that, urea-formaldehyde (UF) makes up approximately 81% of the resins used. Formaldehyde-based resins are used due to their effectiveness and low cost, as well as their ease of application and lack of color. Nevertheless, their main disadvantages are the lack of tackiness and the emission of formaldehyde over time. To improve UF performance, the utilization of microfibrillated cellulose, has been demonstrated to be effective. However, more understanding on the mechanisms of the interactions is of relevant importance. In this work, we studied interfacial interactions between UF with bleached (BCNF) and unbleached (LCNF) cellulose nanofibrils using Quartz Crystal Microbalance with dissipation monitoring (QCM-D) technique observing the superior performance of lignin-containing CNF. Additionally, the surface free energies were investigated using Contact Angle Measurements (CA) showing a decrease of the values mainly when utilizing LCNF, which was later correlated with the wettability properties of the particle boards (PBs). PBs with different adhesive/CNF formulations were produced showing larger improvements when adding LCNF in terms of modulus of elasticity (MOE), modulus of rupture (MOR), and internal bonding (IB). To gain a better understanding on the interactions between CNF and UF, CNF was fully characterized in terms of morphology, chemical composition, charge density, as well as thermal and colloidal stability.