Clearfield County
Pennsylvania · FIPS 42033
According to CFPB HMDA 2024 application volume among U.S. counties, Clearfield County ranks #895 of 3,223, and #40 of 67 in Pennsylvania.
Mortgage lending activity in Clearfield County, Pennsylvania based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Clearfield County, Pennsylvania lenders denied 439 of the applications reported here, financing the rest at an average note rate of 7.04%, with applicants self-reporting average annual income of $34K. 126 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Clearfield County
In Clearfield County, lead originator CNB Bank funded 24.9% of 1,320 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 41.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Clearfield County's 2,193 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clearfield County's $115,264 average loan (deduped against volume peers).
Lenders active in Clearfield County
CNB Bank funded 329 of the 1,320 loans originated in Clearfield County, 24.9% of the county. 126 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | CNB Bank | 329 | 24.9% |
| 2 | S&T Bank | 117 | 8.9% |
| 3 | Rocket Mortgage | 95 | 7.2% |
| 4 | First Commonwealth Bank | 70 | 5.3% |
| 5 | Jersey Shore State Bank | 68 | 5.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Clearfield County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Clearfield County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.