Cnb Bank Mortgage Lending & HMDA Data, 2025

In 2025, Cnb Bank of Clearfield, PA reported 2,588 mortgage applications totaling $753.6 million, up 18% from 2024. The average application was for $291,193, and applicants reported an average income of $166,241. 78% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Buffalo-Cheektowaga-Niagara Falls, NY (378), Erie, PA (217) and Roanoke, VA (202) (applications in parentheses).

Mortgage Company & Address Cnb Bank
1 S Second Street
Clearfield, PA 16830
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  
Total Number of Mortgage Applications 2,588
Total Mortgage Loan Application Amount $753,610,000
Average Mortgage Loan Application Amount $291,193
Highest Mortgage Loan Application Amount $37,005,000
Average Applicant Income $166,241
Highest Applicant Income $4,212,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cnb Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Cnb Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Clearfield, Pennsylvania 425 $ 50,925,000 $ 119,823 $ 114,000
Erie, New York 324 $ 84,780,000 $ 261,666 $ 208,000
Erie, Pennsylvania 217 $ 42,085,000 $ 193,940 $ 167,000
Crawford, Pennsylvania 117 $ 14,515,000 $ 124,059 $ 106,000
Elk, Pennsylvania 108 $ 13,720,000 $ 127,037 $ 124,000
Warren, Pennsylvania 98 $ 12,160,000 $ 124,081 $ 122,000
Franklin, Virginia 96 $ 40,140,000 $ 418,125 $ 231,000
McKean, Pennsylvania 88 $ 9,880,000 $ 112,272 $ 95,000
Centre, Pennsylvania 79 $ 52,395,000 $ 663,227 $ 175,000
Monroe, Pennsylvania 65 $ 13,355,000 $ 205,461 $ 150,000
Cuyahoga, Ohio 58 $ 75,610,000 $ 1,303,620 $ 234,000
Niagara, New York 54 $ 11,420,000 $ 211,481 $ 147,000
Blair, Pennsylvania 42 $ 4,860,000 $ 115,714 $ 136,000
Roanoke City, Virginia 42 $ 14,760,000 $ 351,428 $ 193,000
Roanoke, Virginia 39 $ 8,365,000 $ 214,487 $ 169,000
Lake, Ohio 38 $ 22,330,000 $ 587,631 $ 182,000
Franklin, Ohio 35 $ 47,225,000 $ 1,349,285 $ 251,000
Bedford, Virginia 35 $ 16,145,000 $ 461,285 $ 258,000
Cambria, Pennsylvania 34 $ 3,360,000 $ 98,823 $ 100,000
Jefferson, Pennsylvania 31 $ 3,665,000 $ 118,225 $ 100,000
Morrow, Ohio 27 $ 4,215,000 $ 156,111 $ 123,000
Indiana, Pennsylvania 26 $ 4,100,000 $ 157,692 $ 131,000
Delaware, Ohio 23 $ 4,535,000 $ 197,173 $ 227,000
Lehigh, Pennsylvania 23 $ 5,295,000 $ 230,217 $ 134,000
Ashtabula, Ohio 22 $ 3,440,000 $ 156,363 $ 130,000
Crawford, Ohio 22 $ 1,810,000 $ 82,272 $ 80,000
Luzerne, Pennsylvania 20 $ 8,680,000 $ 434,000 $ 241,000
Northampton, Pennsylvania 20 $ 10,470,000 $ 523,500 $ 132,000
Cattaraugus, New York 19 $ 5,455,000 $ 287,105 $ 281,000
Salem, Virginia 18 $ 4,530,000 $ 251,666 $ 169,000
Genesee, New York 15 $ 2,685,000 $ 179,000 $ 95,000
Sumter, South Carolina 13 $ 3,615,000 $ 278,076 $ 0
Knox, Ohio 12 $ 2,070,000 $ 172,500 $ 186,000
Chautauqua, New York 11 $ 2,165,000 $ 196,818 $ 159,000
Geauga, Ohio 11 $ 3,695,000 $ 335,909 $ 278,000
Lackawanna, Pennsylvania 10 $ 3,760,000 $ 376,000 $ 192,000
Marion, Ohio 8 $ 1,530,000 $ 191,250 $ 444,000
Richland, Ohio 7 $ 1,175,000 $ 167,857 $ 98,000
Monroe, New York 6 $ 19,150,000 $ 3,191,666 $ 124,000
Summit, Ohio 6 $ 1,640,000 $ 273,333 $ 177,000
Pike, Pennsylvania 6 $ 810,000 $ 135,000 $ 125,000
Venango, Pennsylvania 6 $ 810,000 $ 135,000 $ 160,000
Botetourt, Virginia 6 $ 1,230,000 $ 205,000 $ 177,000
Montgomery, Virginia 6 $ 820,000 $ 136,666 $ 165,000
Bedford, Pennsylvania 5 $ 395,000 $ 79,000 $ 96,000
Bucks, Pennsylvania 5 $ 1,195,000 $ 239,000 $ 244,000
Huntingdon, Pennsylvania 5 $ 1,135,000 $ 227,000 $ 85,000
Lancaster, Pennsylvania 5 $ 395,000 $ 79,000 $ 0
York, Pennsylvania 5 $ 505,000 $ 101,000 $ 0
Horry, South Carolina 5 $ 37,745,000 $ 7,549,000 $ 249,000
Steuben, New York 4 $ 1,220,000 $ 305,000 $ 111,000
Wyoming, New York 4 $ 460,000 $ 115,000 $ 108,000
Allegheny, Pennsylvania 4 $ 2,470,000 $ 617,500 $ 334,000
Butler, Pennsylvania 4 $ 1,690,000 $ 422,500 $ 213,000
Carbon, Pennsylvania 4 $ 1,850,000 $ 462,500 $ 369,000
Lebanon, Pennsylvania 4 $ 550,000 $ 137,500 $ 0
Palm Beach, Florida 3 $ 1,765,000 $ 588,333 $ 695,000
Ocean, New Jersey 3 $ 4,885,000 $ 1,628,333 $ 570,000
Ontario, New York 3 $ 595,000 $ 198,333 $ 149,000
Clarion, Pennsylvania 3 $ 385,000 $ 128,333 $ 122,000
Forest, Pennsylvania 3 $ 405,000 $ 135,000 $ 127,000
Mercer, Pennsylvania 3 $ 345,000 $ 115,000 $ 92,000
Susquehanna, Pennsylvania 3 $ 1,025,000 $ 341,666 $ 557,000
Westmoreland, Pennsylvania 3 $ 545,000 $ 181,666 $ 115,000
Floyd, Virginia 3 $ 605,000 $ 201,666 $ 169,000
Henry, Virginia 3 $ 455,000 $ 151,666 $ 80,000
Sussex, Delaware 2 $ 830,000 $ 415,000 $ 421,000
Hillsborough, Florida 2 $ 1,210,000 $ 605,000 $ 597,000
Sarasota, Florida 2 $ 1,630,000 $ 815,000 $ 333,000
Livingston, New York 2 $ 400,000 $ 200,000 $ 90,000
Nassau, New York 2 $ 760,000 $ 380,000 $ 199,000
Orleans, New York 2 $ 290,000 $ 145,000 $ 51,000
Guilford, North Carolina 2 $ 1,160,000 $ 580,000 $ 198,000
Union, North Carolina 2 $ 2,120,000 $ 1,060,000 $ 0
Ashland, Ohio 2 $ 470,000 $ 235,000 $ 140,000
Athens, Ohio 2 $ 200,000 $ 100,000 $ 0
Erie, Ohio 2 $ 680,000 $ 340,000 $ 476,000
Fairfield, Ohio 2 $ 460,000 $ 230,000 $ 438,000
Licking, Ohio 2 $ 640,000 $ 320,000 $ 323,000
Union, Ohio 2 $ 270,000 $ 135,000 $ 222,000
Armstrong, Pennsylvania 2 $ 170,000 $ 85,000 $ 55,000
Cameron, Pennsylvania 2 $ 110,000 $ 55,000 $ 96,000
Chester, Pennsylvania 2 $ 250,000 $ 125,000 $ 0
Cumberland, Pennsylvania 2 $ 280,000 $ 140,000 $ 680,000
Dauphin, Pennsylvania 2 $ 200,000 $ 100,000 $ 309,000
Fayette, Pennsylvania 2 $ 220,000 $ 110,000 $ 86,000
Greene, Pennsylvania 2 $ 150,000 $ 75,000 $ 0
Lawrence, Pennsylvania 2 $ 560,000 $ 280,000 $ 727,000
Lycoming, Pennsylvania 2 $ 410,000 $ 205,000 $ 268,000
Montgomery, Pennsylvania 2 $ 560,000 $ 280,000 $ 180,000
Schuylkill, Pennsylvania 2 $ 430,000 $ 215,000 $ 131,000
Somerset, Pennsylvania 2 $ 400,000 $ 200,000 $ 87,000
Charleston, South Carolina 2 $ 730,000 $ 365,000 $ 233,000
Sevier, Tennessee 2 $ 480,000 $ 240,000 $ 162,000
Campbell, Virginia 2 $ 490,000 $ 245,000 $ 133,000
Lynchburg, Virginia 2 $ 1,410,000 $ 705,000 $ 441,000
Martinsville, Virginia 2 $ 150,000 $ 75,000 $ 0
Rockingham, Virginia 2 $ 2,910,000 $ 1,455,000 $ 0
Shenandoah, Virginia 2 $ 1,620,000 $ 810,000 $ 0
Maricopa, Arizona 1 $ 2,165,000 $ 2,165,000 $ 550,000
Jefferson, Colorado 1 $ 55,000 $ 55,000 $ 36,000
Bay, Florida 1 $ 125,000 $ 125,000 $ 115,000
Brevard, Florida 1 $ 165,000 $ 165,000 $ 231,000
Collier, Florida 1 $ 335,000 $ 335,000 $ 147,000
Lee, Florida 1 $ 85,000 $ 85,000 $ 85,000
Manatee, Florida 1 $ 255,000 $ 255,000 $ 201,000
Martin, Florida 1 $ 1,505,000 $ 1,505,000 $ 1,932,000
Polk, Florida 1 $ 295,000 $ 295,000 $ 184,000
Sumter, Florida 1 $ 175,000 $ 175,000 $ 130,000
Volusia, Florida 1 $ 335,000 $ 335,000 $ 146,000
Ada, Idaho 1 $ 425,000 $ 425,000 $ 254,000
Cook, Illinois 1 $ 585,000 $ 585,000 $ 266,000
Knox, Maine 1 $ 705,000 $ 705,000 $ 491,000
Anne Arundel, Maryland 1 $ 1,035,000 $ 1,035,000 $ 721,000
Washington, Maryland 1 $ 45,000 $ 45,000 $ 2,860,000
Middlesex, Massachusetts 1 $ 465,000 $ 465,000 $ 506,000
Chemung, New York 1 $ 265,000 $ 265,000 $ 104,000
New York, New York 1 $ 1,105,000 $ 1,105,000 $ 296,000
Oneida, New York 1 $ 125,000 $ 125,000 $ 434,000
Schuyler, New York 1 $ 165,000 $ 165,000 $ 128,000
St. Lawrence, New York 1 $ 165,000 $ 165,000 $ 120,000
Wayne, New York 1 $ 2,815,000 $ 2,815,000 $ 0
Westchester, New York 1 $ 155,000 $ 155,000 $ 414,000
Brunswick, North Carolina 1 $ 1,005,000 $ 1,005,000 $ 244,000
Dare, North Carolina 1 $ 485,000 $ 485,000 $ 328,000
Columbiana, Ohio 1 $ 65,000 $ 65,000 $ 0
Fayette, Ohio 1 $ 225,000 $ 225,000 $ 0
Gallia, Ohio 1 $ 55,000 $ 55,000 $ 0
Highland, Ohio 1 $ 155,000 $ 155,000 $ 0
Huron, Ohio 1 $ 95,000 $ 95,000 $ 0
Logan, Ohio 1 $ 695,000 $ 695,000 $ 395,000
Lorain, Ohio 1 $ 55,000 $ 55,000 $ 142,000
Madison, Ohio 1 $ 75,000 $ 75,000 $ 0
Mahoning, Ohio 1 $ 305,000 $ 305,000 $ 0
Ottawa, Ohio 1 $ 95,000 $ 95,000 $ 0
Perry, Ohio 1 $ 75,000 $ 75,000 $ 50,000
Portage, Ohio 1 $ 1,905,000 $ 1,905,000 $ 0
Scioto, Ohio 1 $ 145,000 $ 145,000 $ 0
Trumbull, Ohio 1 $ 35,000 $ 35,000 $ 0
Warren, Ohio 1 $ 305,000 $ 305,000 $ 135,000
Adams, Pennsylvania 1 $ 45,000 $ 45,000 $ 0
Beaver, Pennsylvania 1 $ 75,000 $ 75,000 $ 37,000
Berks, Pennsylvania 1 $ 55,000 $ 55,000 $ 172,000
Bradford, Pennsylvania 1 $ 455,000 $ 455,000 $ 88,000
Delaware, Pennsylvania 1 $ 275,000 $ 275,000 $ 98,000
Fulton, Pennsylvania 1 $ 195,000 $ 195,000 $ 81,000
Mifflin, Pennsylvania 1 $ 85,000 $ 85,000 $ 0
Philadelphia, Pennsylvania 1 $ 195,000 $ 195,000 $ 79,000
Union, Pennsylvania 1 $ 255,000 $ 255,000 $ 107,000
Washington, Pennsylvania 1 $ 125,000 $ 125,000 $ 0
Wayne, Pennsylvania 1 $ 465,000 $ 465,000 $ 574,000
Beaufort, South Carolina 1 $ 1,005,000 $ 1,005,000 $ 250,000
Davidson, Tennessee 1 $ 1,005,000 $ 1,005,000 $ 1,179,000
Houston, Tennessee 1 $ 225,000 $ 225,000 $ 77,000
Alexandria, Virginia 1 $ 625,000 $ 625,000 $ 2,214,000
Appomattox, Virginia 1 $ 255,000 $ 255,000 $ 269,000
Craig, Virginia 1 $ 205,000 $ 205,000 $ 158,000
Culpeper, Virginia 1 $ 245,000 $ 245,000 $ 83,000
Danville, Virginia 1 $ 65,000 $ 65,000 $ 61,000
Fairfax, Virginia 1 $ 255,000 $ 255,000 $ 959,000
Henrico, Virginia 1 $ 505,000 $ 505,000 $ 367,000
James City, Virginia 1 $ 285,000 $ 285,000 $ 140,000
Pittsylvania, Virginia 1 $ 475,000 $ 475,000 $ 215,000
Prince William, Virginia 1 $ 255,000 $ 255,000 $ 320,000
Pulaski, Virginia 1 $ 1,725,000 $ 1,725,000 $ 0
Suffolk, Virginia 1 $ 335,000 $ 335,000 $ 110,000
York, Virginia 1 $ 1,505,000 $ 1,505,000 $ 0
Ohio, West Virginia 1 $ 185,000 $ 185,000 $ 83,000
Pocahontas, West Virginia 1 $ 255,000 $ 255,000 $ 192,000

Mortgage Loan Application Detail Totals for Cnb Bank in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 980 $422,200,000 $430,000 $37,005,000 $171,000 $3,105,000
Home Improvement 569 $78,935,000 $138,000 $13,505,000 $143,000 $1,932,000
Refinancing 525 $173,625,000 $330,000 $28,885,000 $167,000 $1,908,000
Other Purpose 505 $77,205,000 $152,000 $1,105,000 $183,000 $4,212,000
Cash-out Refinancing 9 $1,645,000 $182,000 $405,000 $133,000 $210,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 2,037 $400,765,000 $196,000 $3,805,000 $167,000 $3,105,000
Not Provided 255 $52,775,000 $206,000 $2,165,000 $160,000 $779,000
Not applicable 195 $281,025,000 $1,441,000 $37,005,000 $0 $0
Black or African American 42 $6,460,000 $153,000 $1,115,000 $110,000 $441,000
Hispanic 42 $8,630,000 $205,000 $525,000 $100,000 $379,000
Asian 15 $3,545,000 $236,000 $1,005,000 $251,000 $830,000
American Indian or Alaskan Native 2 $410,000 $205,000 $255,000 $2,251,000 $4,212,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 2,588 $753,610,000 $291,000 $37,005,000 $166,000 $4,212,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,029 $612,725,000 $301,000 $37,005,000 $173,000 $2,214,000
Application Denied By Financial Institution 237 $45,645,000 $192,000 $3,005,000 $121,000 $4,212,000
Application Withdrawn By Applicant 188 $54,470,000 $289,000 $4,005,000 $161,000 $3,105,000
File Closed For Incompleteness 61 $9,735,000 $159,000 $625,000 $141,000 $959,000
Loan Purchased By The Institution 51 $4,985,000 $97,000 $165,000 $0 $0
Application Approved But Not Accepted 22 $26,050,000 $1,184,000 $20,005,000 $155,000 $400,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,351 $707,965,000 $301,000 $37,005,000 $171,000 $3,105,000
Debt-To-Income Ratio 132 $28,680,000 $217,000 $3,005,000 $83,000 $575,000
Credit History 57 $7,255,000 $127,000 $1,745,000 $151,000 $4,212,000
Collateral 24 $2,670,000 $111,000 $245,000 $118,000 $541,000
Other 8 $1,750,000 $218,000 $525,000 $541,000 $2,860,000
Credit Application Incomplete 7 $1,505,000 $215,000 $465,000 $151,000 $347,000
Insufficient Cash (Downpayment, Closing Cost) 6 $3,120,000 $520,000 $1,095,000 $0 $0
Unverifiable Information 2 $580,000 $290,000 $305,000 $346,000 $346,000
Employment History 1 $85,000 $85,000 $85,000 $35,000 $35,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Cnb Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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