Largest lenders in Clinton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Jersey Shore State Bank | A | 124 | 107 | 5.7% | 5.49% |
| 2 | Northwest Bank | B | 102 | 59 | 27.5% | 6.25% |
| 3 | First Commonwealth Bank | C | 98 | 49 | 30.6% | 5.99% |
| 4 | Journey Bank | A | 95 | 81 | 3.2% | 6.75% |
| 5 | PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 68 | 42 | 20.6% | 6.42% |
| 6 | Rocket Mortgage | C | 68 | 50 | 22.1% | 6.81% |
| 7 | HORIZON Federal Credit Union | D | 64 | 30 | 18.8% | 6.75% |
| 8 | First National Bank of Pennsylvania | B | 55 | 22 | 45.5% | 6.49% |
| 9 | Kind Lending | C | 54 | 49 | 5.6% | 6.50% |
| 10 | Manufacturers and Traders Trust | C | 39 | 27 | 28.2% | 5.99% |
| 11 | Mortgage Research Center | C | 32 | 16 | 18.8% | 6.13% |
| 12 | Primelending, a Plainscapital | A | 30 | 23 | 0.0% | 6.44% |
| 13 | United Shore Financial Services | B | 20 | 11 | 25.0% | 6.62% |
| 14 | Newrez | D | 16 | 4 | 37.5% | 6.69% |
| 15 | Pennymac Loan Services | C | 15 | 6 | 13.3% | 5.75% |
| 16 | Woodlands Bank | – | 15 | 12 | 0.0% | — |
| 17 | Loandepot.Com | D | 15 | 5 | 20.0% | 6.99% |
| 18 | Freedom Mortgage | B | 14 | 3 | 42.9% | 6.25% |
| 19 | Affordable Mortgage Advisors, LLC. | B | 14 | 11 | 0.0% | 6.88% |
| 20 | Broker Solutions | D | 13 | 4 | 7.7% | 9.44% |
| 21 | Susquehanna Community Bank | A | 12 | 12 | 0.0% | — |
| 22 | Fairway Independent Mortgage | B | 11 | 9 | 0.0% | 6.88% |
| 23 | Horizon Farm Credit, ACA | B | 11 | 10 | 0.0% | 6.77% |
| 24 | Navy Federal Credit Union | D | 11 | 6 | 18.2% | 7.98% |
| 25 | New Day Financial | F | 10 | 3 | 50.0% | 6.50% |
Best approval odds in Clinton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Journey Bank | 87 | 3.5% |
| 2 | Kind Lending | 52 | 5.8% |
| 3 | Jersey Shore State Bank | 116 | 6.0% |
| 4 | Rocket Mortgage | 65 | 23.1% |
| 5 | PENNSYLVANIA STATE EMPLOYEES Credit Union | 58 | 24.1% |
| 6 | Northwest Bank | 89 | 31.5% |
| 7 | First Commonwealth Bank | 84 | 35.7% |
What Clinton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clinton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,136 | 751 | 18.6% | 6.75% | $95,000 |
| 2024 | 1,179 | 771 | 17.5% | 6.63% | $105,000 |
| 2025 | 1,259 | 792 | 19.5% | 6.49% | $115,000 |
Frequently asked questions
19.5% of applications in Clinton County were denied in 2025, against 18.3% statewide in Pennsylvania.
Jersey Shore State Bank, with 124 applications in 2025 and a denial rate of 5.7%.
The median mortgage application in Clinton County in 2025 was for $115,000; the median property value on originated loans was $225,000.