Cnb Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Cnb Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Cnb Bank 1 S Second Street Clearfield, PA 16830 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 2,511 |
| Total Mortgage Loan Application Amount | $420,575,000 |
| Average Mortgage Loan Application Amount | $135,833 |
| Highest Mortgage Loan Application Amount | $20,425,000 |
| Average Applicant Income | $104,333 |
| Highest Applicant Income | $4,365,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Cnb Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cnb Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Cnb Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cnb Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Cnb Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cnb Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clearfield County Pennsylvania | 485 | $ 45,115,000 | $ 93,000 | $ 88,000 |
| Erie County Pennsylvania | 335 | $ 72,985,000 | $ 217,000 | $ 134,000 |
| Crawford County Pennsylvania | 196 | $ 18,570,000 | $ 94,000 | $ 112,000 |
| Elk County Pennsylvania | 176 | $ 16,270,000 | $ 92,000 | $ 92,000 |
| Erie County New York | 172 | $ 57,380,000 | $ 333,000 | $ 146,000 |
| Franklin County Ohio | 133 | $ 28,835,000 | $ 216,000 | $ 209,000 |
| McKean County Pennsylvania | 130 | $ 11,220,000 | $ 86,000 | $ 75,000 |
| Warren County Pennsylvania | 122 | $ 10,400,000 | $ 85,000 | $ 96,000 |
| Centre County Pennsylvania | 80 | $ 9,910,000 | $ 123,000 | $ 123,000 |
| Lake County Ohio | 67 | $ 17,015,000 | $ 253,000 | $ 127,000 |
| Niagara County New York | 53 | $ 8,285,000 | $ 156,000 | $ 119,000 |
| Blair County Pennsylvania | 52 | $ 8,120,000 | $ 156,000 | $ 112,000 |
| Cambria County Pennsylvania | 52 | $ 3,570,000 | $ 68,000 | $ 69,000 |
| Ashtabula County Ohio | 47 | $ 4,795,000 | $ 102,000 | $ 86,000 |
| Crawford County Ohio | 36 | $ 2,200,000 | $ 61,000 | $ 64,000 |
| Morrow County Ohio | 34 | $ 3,440,000 | $ 101,000 | $ 71,000 |
| Jefferson County Pennsylvania | 34 | $ 2,560,000 | $ 75,000 | $ 72,000 |
| Delaware County Ohio | 32 | $ 5,700,000 | $ 178,000 | $ 200,000 |
| Indiana County Pennsylvania | 24 | $ 2,110,000 | $ 87,000 | $ 78,000 |
| Cuyahoga County Ohio | 23 | $ 13,485,000 | $ 586,000 | $ 322,000 |
| Geauga County Ohio | 20 | $ 5,030,000 | $ 251,000 | $ 175,000 |
| Chautauqua County New York | 14 | $ 2,880,000 | $ 205,000 | $ 395,000 |
| Cattaraugus County New York | 13 | $ 1,295,000 | $ 99,000 | $ 148,000 |
| Marion County Ohio | 13 | $ 2,295,000 | $ 176,000 | $ 125,000 |
| Richland County Ohio | 11 | $ 1,265,000 | $ 115,000 | $ 87,000 |
| Knox County Ohio | 7 | $ 715,000 | $ 102,000 | $ 96,000 |
| Lorain County Ohio | 6 | $ 6,390,000 | $ 1,065,000 | $ 325,000 |
| Mercer County Pennsylvania | 6 | $ 540,000 | $ 90,000 | $ 42,000 |
| Licking County Ohio | 5 | $ 525,000 | $ 105,000 | $ 175,000 |
| Union County Ohio | 5 | $ 1,525,000 | $ 305,000 | $ 148,000 |
| Bedford County Pennsylvania | 5 | $ 735,000 | $ 147,000 | $ 67,000 |
| Fairfield County Ohio | 4 | $ 350,000 | $ 87,000 | $ 64,000 |
| Stark County Ohio | 4 | $ 270,000 | $ 67,000 | $ 0 |
| Allegheny County Pennsylvania | 4 | $ 460,000 | $ 115,000 | $ 183,000 |
| Huntingdon County Pennsylvania | 4 | $ 240,000 | $ 60,000 | $ 74,000 |
| Erie County Ohio | 3 | $ 1,905,000 | $ 635,000 | $ 511,000 |
| Huron County Ohio | 3 | $ 75,000 | $ 25,000 | $ 68,000 |
| Madison County Ohio | 3 | $ 635,000 | $ 211,000 | $ 235,000 |
| Muskingum County Ohio | 3 | $ 905,000 | $ 301,000 | $ 378,000 |
| Clarion County Pennsylvania | 3 | $ 325,000 | $ 108,000 | $ 124,000 |
| Lancaster County Pennsylvania | 3 | $ 6,005,000 | $ 2,001,000 | $ 0 |
| Washington County Pennsylvania | 3 | $ 145,000 | $ 48,000 | $ 0 |
| Los Angeles County California | 2 | $ 1,560,000 | $ 780,000 | $ 251,000 |
| Collier County Florida | 2 | $ 580,000 | $ 290,000 | $ 240,000 |
| Lee County Florida | 2 | $ 680,000 | $ 340,000 | $ 560,000 |
| Monroe County Florida | 2 | $ 760,000 | $ 380,000 | $ 602,000 |
| Wyoming County New York | 2 | $ 210,000 | $ 105,000 | $ 108,000 |
| Onslow County North Carolina | 2 | $ 410,000 | $ 205,000 | $ 101,000 |
| Belmont County Ohio | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Guernsey County Ohio | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Scioto County Ohio | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Summit County Ohio | 2 | $ 340,000 | $ 170,000 | $ 115,000 |
| Bucks County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Chester County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Cumberland County Pennsylvania | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Forest County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 63,000 |
| Mifflin County Pennsylvania | 2 | $ 180,000 | $ 90,000 | $ 121,000 |
| Philadelphia County Pennsylvania | 2 | $ 3,230,000 | $ 1,615,000 | $ 1,513,000 |
| Venango County Pennsylvania | 2 | $ 60,000 | $ 30,000 | $ 66,000 |
| Beaufort County South Carolina | 2 | $ 1,090,000 | $ 545,000 | $ 178,000 |
| Santa Barbara County California | 1 | $ 1,505,000 | $ 1,505,000 | $ 415,000 |
| Hartford County Connecticut | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| District of Columbia County District Of Columbia | 1 | $ 335,000 | $ 335,000 | $ 469,000 |
| Bay County Florida | 1 | $ 15,000 | $ 15,000 | $ 88,000 |
| Broward County Florida | 1 | $ 4,805,000 | $ 4,805,000 | $ 4,365,000 |
| Citrus County Florida | 1 | $ 95,000 | $ 95,000 | $ 189,000 |
| Osceola County Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 135,000 | $ 135,000 | $ 325,000 |
| Columbia County Georgia | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Marion County Illinois | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Worcester County Maryland | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Hampshire County Massachusetts | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Allegany County New York | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Genesee County New York | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| New York County New York | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| New Hanover County North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 710,000 |
| Wake County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 202,000 |
| Wayne County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Ashland County Ohio | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Clermont County Ohio | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Greene County Ohio | 1 | $ 145,000 | $ 145,000 | $ 179,000 |
| Holmes County Ohio | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Logan County Ohio | 1 | $ 135,000 | $ 135,000 | $ 244,000 |
| Medina County Ohio | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Montgomery County Ohio | 1 | $ 20,425,000 | $ 20,425,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 285,000 | $ 285,000 | $ 158,000 |
| Perry County Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pike County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ross County Ohio | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Seneca County Ohio | 1 | $ 65,000 | $ 65,000 | $ 139,000 |
| Trumbull County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Tuscarawas County Ohio | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Wyandot County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Armstrong County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Beaver County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Berks County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 153,000 |
| Butler County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| Cameron County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| Clinton County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Columbia County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Franklin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 327,000 |
| Perry County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Potter County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Somerset County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 145,000 |
| Tioga County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Greenwood County South Carolina | 1 | $ 485,000 | $ 485,000 | $ 101,000 |
| James City County Virginia | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Cnb Bank in 2019
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 | 931 | $207,575,000 | $222,000 | $20,425,000 | $122,000 | $2,000,000 |
| Refinancing | 757 | $150,335,000 | $198,000 | $15,735,000 | $123,000 | $4,365,000 |
| Home Improvement | 443 | $30,605,000 | $69,000 | $2,605,000 | $113,000 | $1,740,000 |
| Other Purpose | 356 | $27,070,000 | $76,000 | $975,000 | $114,000 | $971,000 |
| Cash-out Refinancing | 23 | $4,955,000 | $215,000 | $375,000 | $112,000 | $281,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
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 | 2,158 | $284,470,000 | $131,000 | $20,425,000 | $116,000 | $4,365,000 |
| Not applicable | 165 | $106,635,000 | $646,000 | $15,735,000 | $0 | $0 |
| Not Provided | 114 | $13,980,000 | $122,000 | $1,275,000 | $152,000 | $1,492,000 |
| Black or African American | 22 | $2,580,000 | $117,000 | $355,000 | $103,000 | $503,000 |
| Asian | 18 | $2,790,000 | $155,000 | $705,000 | $172,000 | $500,000 |
| Hispanic | 15 | $2,725,000 | $181,000 | $745,000 | $97,000 | $255,000 |
| American Indian or Alaskan Native | 3 | $155,000 | $51,000 | $75,000 | $99,000 | $255,000 |
| 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) | 2,511 | $420,575,000 | $167,000 | $20,425,000 | $119,000 | $4,365,000 |
| 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 | 1,890 | $348,190,000 | $184,000 | $20,425,000 | $129,000 | $4,365,000 |
| Application Denied By Financial Institution | 350 | $36,490,000 | $104,000 | $835,000 | $68,000 | $543,000 |
| Application Withdrawn By Applicant | 158 | $21,020,000 | $133,000 | $1,505,000 | $116,000 | $1,492,000 |
| Application Approved But Not Accepted | 50 | $9,470,000 | $189,000 | $3,305,000 | $121,000 | $860,000 |
| Loan Purchased By The Institution | 44 | $2,750,000 | $62,000 | $165,000 | $0 | $0 |
| File Closed For Incompleteness | 19 | $2,655,000 | $139,000 | $1,085,000 | $184,000 | $1,107,000 |
| 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 | 2,161 | $384,085,000 | $177,000 | $20,425,000 | $128,000 | $4,365,000 |
| Debt-To-Income Ratio | 142 | $15,090,000 | $106,000 | $545,000 | $51,000 | $346,000 |
| Credit History | 115 | $8,335,000 | $72,000 | $665,000 | $69,000 | $543,000 |
| Collateral | 51 | $7,375,000 | $144,000 | $695,000 | $92,000 | $282,000 |
| Credit Application Incomplete | 24 | $3,240,000 | $135,000 | $835,000 | $96,000 | $426,000 |
| Other | 12 | $1,810,000 | $150,000 | $495,000 | $87,000 | $282,000 |
| Unverifiable Information | 2 | $500,000 | $250,000 | $455,000 | $111,000 | $192,000 |
| Employment History | 2 | $60,000 | $30,000 | $35,000 | $58,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $80,000 | $40,000 | $55,000 | $53,000 | $71,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank's 2019 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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with aggregated HMDA statistics today.