Top Mortgage Lenders in the Treasure Lake, PA area

Which mortgage lender in the Treasure Lake, PA area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Treasure Lake, PA area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Treasure Lake, PA area is Northwest Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.06%. This means that Northwest Bank provided a -0.06% lower interest rate for its customers than other lenders in Treasure Lake, PA for a similar set of borrowers. Northwest Bank has a market share of 6.5%. On the other hand, the most popular lender in the market is CNB Bank, with a market share of 27.7%. CNB Bank is an average rate lender in this area, with a “Rate Difference” of +0.05% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Treasure Lake, PA area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Treasure Lake, PA is Northwest Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is CNB Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is First Commonwealth Bank. The cheapest VA mortgage provider is First Commonwealth Bank. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northwest Bank 1, -0.06% 6.50%
S&T Bank 2, -0.06% 16.81%
Pa State Employees Cu 3, -0.06% 4.38%
The Farmers National Bank of Emlenton 4, -0.05% 5.93%
First Commonwealth Bank 5, -0.03% 14.27%
Quicken Loans 6, 0.03% 18.08%
CNB Bank 7, 0.05% 27.68%
Riverview Bank 8, 0.07% 6.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
S&T Bank 1, -0.05% 28.65%
Northwest Bank 2, -0.05% 6.59%
The Farmers National Bank of Emlenton 3, -0.04% 4.87%
Riverview Bank 4, -0.04% 5.44%
Pa State Employees Cu 5, -0.01% 3.72%
CNB Bank 6, 0.00% 19.77%
First Commonwealth Bank 7, 0.04% 12.03%
Quicken Loans 8, 0.09% 18.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.09% 5.01%
First Commonwealth Bank 2, -0.08% 16.43%
Northwest Bank 3, -0.07% 6.41%
S&T Bank 4, -0.07% 5.29%
The Farmers National Bank of Emlenton 5, -0.06% 6.96%
Quicken Loans 6, -0.02% 17.27%
CNB Bank 7, 0.07% 35.38%
Riverview Bank 8, 0.15% 7.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Northwest Bank 1, -0.06% 7.14%
S&T Bank 2, -0.06% 18.89%
Pa State Employees Cu 3, -0.06% 4.92%
The Farmers National Bank of Emlenton 4, -0.05% 6.67%
First Commonwealth Bank 5, -0.03% 14.44%
CNB Bank 6, 0.04% 30.95%
Riverview Bank 7, 0.07% 7.14%
Quicken Loans 8, 0.08% 9.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
S&T Bank 1, -0.04% 32.68%
Northwest Bank 2, -0.04% 7.19%
The Farmers National Bank of Emlenton 3, -0.04% 5.56%
Riverview Bank 4, -0.03% 6.21%
Pa State Employees Cu 5, -0.00% 4.25%
CNB Bank 6, 0.01% 22.55%
First Commonwealth Bank 7, 0.06% 10.46%
Quicken Loans 8, 0.12% 11.11%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Pa State Employees Cu 1, -0.10% 5.56%
First Commonwealth Bank 2, -0.09% 18.21%
Northwest Bank 3, -0.08% 7.10%
S&T Bank 4, -0.07% 5.86%
The Farmers National Bank of Emlenton 5, -0.07% 7.72%
Quicken Loans 6, 0.02% 8.64%
CNB Bank 7, 0.06% 38.89%
Riverview Bank 8, 0.14% 8.02%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Commonwealth Bank 1, -0.00% 11.86%
Quicken Loans 2, 0.00% 88.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Commonwealth Bank 1, -0.06% 20.59%
Quicken Loans 2, 0.01% 79.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CNB Bank 1, 0.00% 100.00%
Insufficient data available.
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
CNB Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Commonwealth Bank 1, -0.04% 16.67%
Northwest Bank 2, -0.03% 5.56%
Quicken Loans 3, 0.01% 77.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First Commonwealth Bank 1, -0.03% 33.33%
Northwest Bank 2, -0.02% 11.11%
Quicken Loans 3, 0.02% 55.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, 0.00% 100.00%

* Data is compiled for the Treasure Lake, PA commuting zone area, which comprises of counties of Clearfield County, PA, and Jefferson County, PA. This includes cities/towns/communities of Treasure Lake, PA as well as Clearfield, PA, DuBois, PA, Morrisdale, PA, Houtzdale, PA, Summerville, PA, Sandy, PA, Falls Creek, PA, Osceola Mills, PA, Punxsutawney, PA, Brookville, PA, Crenshaw, PA, West Decatur, PA, Timblin, PA, Hyde, PA, Troutville, PA, Curwensville, PA, Grampian, PA, Big Run, PA, Sykesville, PA, Brockway, PA, Plymptonville, PA, Glen Hope, PA, Westover, PA, Irvona, PA, Reynoldsville, PA, and Mahaffey, PA. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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