Lender in Pennsylvania · HMDA 2025
CNB Bank mortgages in Pennsylvania
CNB Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
CNB Bank originated 410 owner-occupied single-family loans in Pennsylvania from 448 completed applications.
Its median conventional purchase loan costs were $4,050 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.125% (Pennsylvania: 6.625%).
Loans in PA
410
of 448 applications
Denial rate
6.5%
Purchase · PA 6.7%
Rate spread
−0.23 pts
Conv. · PA +0.17 pts
Loan amount
$175,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 356 | 329 | 6.5% | 6.125% | −0.23 pts | $4,050 | $175,000 |
| Refinance | 87 | 77 | 10.3% | — | +0.60 pts | $650 | $95,000 |
| Cash-out refinance | 5 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where CNB Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clearfield County | 1 | 112 | 15.9% |
| Warren County | 3 | 33 | 10.0% |
| McKean County | 3 | 29 | 13.0% |
| Elk County | 4 | 23 | 9.0% |
| Crawford County | 5 | 29 | 4.6% |
| Jefferson County | 6 | 17 | 5.4% |
| Forest County | 11 | 1 | 3.9% |
| Centre County | 14 | 20 | 1.7% |
| Indiana County | 15 | 9 | 1.5% |
| Erie County | 19 | 41 | 1.6% |
| Cambria County | 21 | 12 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology