Largest lenders in Clarion County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Top Tier Federal Credit Union | A | 90 | 81 | 4.4% | — |
| 2 | Northwest Bank | B | 71 | 50 | 19.7% | 6.38% |
| 3 | S&T Bank | B | 57 | 39 | 29.8% | 6.50% |
| 4 | Rocket Mortgage | C | 51 | 31 | 33.3% | 6.88% |
| 5 | The Farmers National Bank of Canfield | B | 46 | 32 | 19.6% | 6.50% |
| 6 | Mortgage Research Center | C | 35 | 15 | 22.9% | 6.63% |
| 7 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 26 | 17 | 11.5% | 6.14% |
| 8 | Tidewater Mortgage Services | C | 22 | 18 | 0.0% | 6.44% |
| 9 | PNC Bank | D | 21 | 13 | 14.3% | 7.18% |
| 10 | Greenville Savings Bank | B | 19 | 13 | 5.3% | — |
| 11 | Pennymac Loan Services | C | 15 | 7 | 20.0% | 9.99% |
| 12 | Armco Credit Union | A | 13 | 12 | 0.0% | 7.50% |
| 13 | Citizens Bank | C | 12 | 6 | 33.3% | 6.69% |
| 14 | United Shore Financial Services | B | 12 | 8 | 0.0% | 6.31% |
| 15 | First Commonwealth Bank | C | 11 | 6 | 18.2% | 6.06% |
| 16 | 21st Mortgage | F | 11 | 4 | 27.3% | 9.22% |
| 17 | Freedom Mortgage | B | 11 | 3 | 27.3% | 6.00% |
| 18 | First National Bank of Pennsylvania | B | 10 | 6 | 40.0% | 6.39% |
| 19 | Broker Solutions | D | 9 | 1 | 22.2% | 6.99% |
| 20 | Coastal Community Bank | C | 9 | 1 | 0.0% | 13.49% |
| 21 | AmeriSave Mortgage | D | 7 | 3 | 42.9% | 7.63% |
| 22 | Newrez | D | 7 | 1 | 42.9% | 6.99% |
| 23 | Absolute Home Mortgage | C | 7 | 5 | 0.0% | 7.25% |
| 24 | Navy Federal Credit Union | D | 7 | 4 | 14.3% | 6.50% |
| 25 | Discover Bank | F | 6 | 0 | 83.3% | — |
Best approval odds in Clarion County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Top Tier Federal Credit Union | 85 | 4.7% |
| 2 | Northwest Bank | 64 | 21.9% |
| 3 | S&T Bank | 56 | 30.4% |
What Clarion County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clarion County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 507 | 282 | 25.3% | 6.99% | $95,000 |
| 2024 | 617 | 399 | 19.3% | 6.99% | $105,000 |
| 2025 | 758 | 464 | 19.3% | 6.50% | $105,000 |
Frequently asked questions
19.3% of applications in Clarion County were denied in 2025, against 18.3% statewide in Pennsylvania.
Top Tier Federal Credit Union, with 90 applications in 2025 and a denial rate of 4.4%.
The median mortgage application in Clarion County in 2025 was for $105,000; the median property value on originated loans was $195,000.