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2024 data HMDA 2024 disclosure official source

Clinton County

1,262 mortgage applications, 16.3% denial rate. Verify FIPS 42035 with U.S. Census Bureau →

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Pennsylvania · FIPS 42035

Local mortgage market. Clinton County, Pennsylvania saw 1,262 HMDA-reported mortgage applications in 2024. Lenders originated 771 of those loans and denied 206, producing a denial rate of 16.3% and an approval (origination) rate of 61.1%. The average loan amount was $147,084 at an average note rate of 6.87%, with applicants self-reporting average annual income of $35K. 82 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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.

FIPS 42035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,262
Applications
771
Originated
16.3%
Denial Rate
61.1%
Approval Rate
$147,084
Avg Loan Amount
6.87%
Avg Interest Rate
$35K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Clinton County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Jersey Shore State Bank 209 27.1%
2 Journey Bank 91 11.8%
3 PA State Employees Cu 59 7.7%
4 Kind Lending, LLC 40 5.2%
5 Horizon Federal Credit Union 37 4.8%
Compare Jersey Shore State Bank vs Journey Bank →

Frequently Asked Questions

How many mortgage applications were filed in Clinton County?
In the 2024 HMDA reporting year, 1,262 mortgage applications were filed in Clinton County, Pennsylvania. Of these, 771 were originated (approved and funded), while 206 were denied, resulting in a denial rate of 16.3%.
What is the mortgage denial rate in Clinton County?
The mortgage denial rate in Clinton County is 16.3%. The approval (origination) rate is 61.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clinton County?
The average mortgage loan amount in Clinton County is $147,084. The average interest rate is 6.873%. The average applicant income is $35K.
What is the loan-to-income ratio in Clinton County?
The average loan-to-income ratio in Clinton County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clinton County?
The top mortgage lenders in Clinton County by origination volume are Jersey Shore State Bank, Journey Bank, PA State Employees Cu. In total, 82 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.