Largest lenders in Clearfield County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | CNB Bank | A | 425 | 363 | 6.8% | 6.50% |
| 2 | First Commonwealth Bank | C | 187 | 100 | 28.3% | 6.50% |
| 3 | Rocket Mortgage | C | 166 | 123 | 20.5% | 6.88% |
| 4 | S&T Bank | B | 132 | 88 | 28.8% | 6.50% |
| 5 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 110 | 70 | 17.3% | 6.64% |
| 6 | Northwest Bank | B | 91 | 63 | 16.5% | 6.25% |
| 7 | Timberland Federal Credit Union | – | 68 | 36 | 22.1% | — |
| 8 | Mortgage Research Center | C | 58 | 28 | 20.7% | 6.25% |
| 9 | Newrez | D | 45 | 22 | 11.1% | 6.63% |
| 10 | Mid Penn Bank | C | 41 | 27 | 17.1% | 7.25% |
| 11 | InFirst Bank | C | 40 | 34 | 7.5% | 7.00% |
| 12 | Broker Solutions | D | 39 | 12 | 5.1% | 7.12% |
| 13 | Jersey Shore State Bank | A | 38 | 32 | 5.3% | 5.75% |
| 14 | United Shore Financial Services | B | 38 | 25 | 10.5% | 6.50% |
| 15 | First National Bank of Pennsylvania | B | 35 | 22 | 34.3% | 6.63% |
| 16 | AmeriSave Mortgage | D | 31 | 7 | 71.0% | 7.13% |
| 17 | PNC Bank | D | 27 | 16 | 14.8% | 6.93% |
| 18 | Fairway Independent Mortgage | B | 26 | 22 | 3.9% | 6.63% |
| 19 | Pennymac Loan Services | C | 25 | 9 | 32.0% | 6.88% |
| 20 | Manufacturers and Traders Trust | C | 24 | 17 | 20.8% | 5.99% |
| 21 | Citizens Bank | C | 24 | 13 | 29.2% | 9.65% |
| 22 | Freedom Mortgage | B | 24 | 10 | 20.8% | 6.25% |
| 23 | Navy Federal Credit Union | D | 23 | 14 | 13.0% | 7.19% |
| 24 | New Day Financial | F | 21 | 6 | 0.0% | 6.99% |
| 25 | Loandepot.Com | D | 20 | 8 | 10.0% | 6.44% |
Best approval odds in Clearfield County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | CNB Bank | 394 | 7.4% |
| 2 | Northwest Bank | 80 | 18.8% |
| 3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 93 | 20.4% |
| 4 | Rocket Mortgage | 158 | 21.5% |
| 5 | Timberland Federal Credit Union | 51 | 29.4% |
| 6 | S&T Bank | 126 | 30.2% |
| 7 | First Commonwealth Bank | 165 | 32.1% |
What Clearfield County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clearfield County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,117 | 1,327 | 20.2% | 6.88% | $85,000 |
| 2024 | 2,084 | 1,320 | 21.0% | 6.88% | $95,000 |
| 2025 | 2,289 | 1,460 | 18.2% | 6.63% | $95,000 |
Frequently asked questions
18.2% of applications in Clearfield County were denied in 2025, against 18.3% statewide in Pennsylvania.
CNB Bank, with 425 applications in 2025 and a denial rate of 6.8%.
The median mortgage application in Clearfield County in 2025 was for $95,000; the median property value on originated loans was $185,000.