Cnb Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Cnb Bank 2020 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 | 3,039 |
| Total Mortgage Loan Application Amount | $745,775,000 |
| Average Mortgage Loan Application Amount | $199,000 |
| Highest Mortgage Loan Application Amount | $31,665,000 |
| Average Applicant Income | $136,000 |
| Highest Applicant Income | $3,114,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 522 | $ 54,930,000 | $ 105,000 | $ 93,000 |
| Erie County Pennsylvania | 355 | $ 63,035,000 | $ 177,000 | $ 150,000 |
| Erie County New York | 345 | $ 99,835,000 | $ 289,000 | $ 134,000 |
| Crawford County Pennsylvania | 212 | $ 23,400,000 | $ 110,000 | $ 116,000 |
| Elk County Pennsylvania | 184 | $ 19,770,000 | $ 107,000 | $ 118,000 |
| Franklin County Ohio | 135 | $ 80,545,000 | $ 596,000 | $ 206,000 |
| McKean County Pennsylvania | 134 | $ 11,960,000 | $ 89,000 | $ 121,000 |
| Warren County Pennsylvania | 131 | $ 13,765,000 | $ 105,000 | $ 95,000 |
| Centre County Pennsylvania | 109 | $ 17,415,000 | $ 159,000 | $ 110,000 |
| Lake County Ohio | 93 | $ 18,655,000 | $ 200,000 | $ 148,000 |
| Niagara County New York | 86 | $ 15,070,000 | $ 175,000 | $ 102,000 |
| Blair County Pennsylvania | 71 | $ 7,045,000 | $ 99,000 | $ 83,000 |
| Cambria County Pennsylvania | 60 | $ 4,890,000 | $ 81,000 | $ 96,000 |
| Jefferson County Pennsylvania | 53 | $ 6,625,000 | $ 125,000 | $ 92,000 |
| Crawford County Ohio | 46 | $ 3,590,000 | $ 78,000 | $ 84,000 |
| Morrow County Ohio | 46 | $ 6,590,000 | $ 143,000 | $ 79,000 |
| Ashtabula County Ohio | 44 | $ 5,780,000 | $ 131,000 | $ 71,000 |
| Delaware County Ohio | 39 | $ 9,605,000 | $ 246,000 | $ 186,000 |
| Indiana County Pennsylvania | 36 | $ 5,010,000 | $ 139,000 | $ 107,000 |
| Cuyahoga County Ohio | 31 | $ 118,445,000 | $ 3,820,000 | $ 564,000 |
| Marion County Ohio | 21 | $ 3,175,000 | $ 151,000 | $ 142,000 |
| Chautauqua County New York | 20 | $ 4,060,000 | $ 203,000 | $ 143,000 |
| Geauga County Ohio | 18 | $ 6,930,000 | $ 385,000 | $ 273,000 |
| Richland County Ohio | 14 | $ 1,810,000 | $ 129,000 | $ 51,000 |
| Allegheny County Pennsylvania | 12 | $ 33,180,000 | $ 2,765,000 | $ 182,000 |
| Knox County Ohio | 10 | $ 1,230,000 | $ 123,000 | $ 99,000 |
| Union County Ohio | 10 | $ 2,810,000 | $ 281,000 | $ 192,000 |
| Cattaraugus County New York | 9 | $ 1,495,000 | $ 166,000 | $ 169,000 |
| Lancaster County Pennsylvania | 9 | $ 945,000 | $ 105,000 | $ 395,000 |
| Genesee County New York | 7 | $ 845,000 | $ 120,000 | $ 76,000 |
| Dauphin County Pennsylvania | 6 | $ 920,000 | $ 153,000 | $ 0 |
| Venango County Pennsylvania | 6 | $ 690,000 | $ 115,000 | $ 128,000 |
| Fairfield County Ohio | 5 | $ 1,505,000 | $ 301,000 | $ 163,000 |
| Stark County Ohio | 5 | $ 335,000 | $ 67,000 | $ 0 |
| Huntingdon County Pennsylvania | 5 | $ 645,000 | $ 129,000 | $ 162,000 |
| Mercer County Pennsylvania | 5 | $ 785,000 | $ 157,000 | $ 266,000 |
| Bay County Florida | 4 | $ 1,700,000 | $ 425,000 | $ 241,000 |
| Collier County Florida | 4 | $ 1,520,000 | $ 380,000 | $ 283,000 |
| Sarasota County Florida | 4 | $ 3,030,000 | $ 757,000 | $ 189,000 |
| Armstrong County Pennsylvania | 4 | $ 340,000 | $ 85,000 | $ 99,000 |
| Bedford County Pennsylvania | 4 | $ 670,000 | $ 167,000 | $ 89,000 |
| Palm Beach County Florida | 3 | $ 2,285,000 | $ 761,000 | $ 279,000 |
| Huron County Ohio | 3 | $ 405,000 | $ 135,000 | $ 82,000 |
| Ottawa County Ohio | 3 | $ 885,000 | $ 295,000 | $ 390,000 |
| Wyandot County Ohio | 3 | $ 325,000 | $ 108,000 | $ 59,000 |
| Beaver County Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Bucks County Pennsylvania | 3 | $ 1,215,000 | $ 405,000 | $ 135,000 |
| Forest County Pennsylvania | 3 | $ 315,000 | $ 105,000 | $ 83,000 |
| District of Columbia County District Of Columbia | 2 | $ 1,630,000 | $ 815,000 | $ 159,000 |
| Broward County Florida | 2 | $ 400,000 | $ 200,000 | $ 219,000 |
| Lee County Florida | 2 | $ 560,000 | $ 280,000 | $ 179,000 |
| Monroe County Florida | 2 | $ 950,000 | $ 475,000 | $ 362,000 |
| Pinellas County Florida | 2 | $ 380,000 | $ 190,000 | $ 200,000 |
| Jackson County Missouri | 2 | $ 3,200,000 | $ 1,600,000 | $ 121,000 |
| Livingston County New York | 2 | $ 170,000 | $ 85,000 | $ 55,000 |
| Wyoming County New York | 2 | $ 450,000 | $ 225,000 | $ 80,000 |
| Currituck County North Carolina | 2 | $ 4,910,000 | $ 2,455,000 | $ 1,025,000 |
| Mecklenburg County North Carolina | 2 | $ 820,000 | $ 410,000 | $ 2,477,000 |
| Wake County North Carolina | 2 | $ 410,000 | $ 205,000 | $ 142,000 |
| Clermont County Ohio | 2 | $ 14,010,000 | $ 7,005,000 | $ 0 |
| Licking County Ohio | 2 | $ 520,000 | $ 260,000 | $ 170,000 |
| Lucas County Ohio | 2 | $ 8,190,000 | $ 4,095,000 | $ 0 |
| Madison County Ohio | 2 | $ 900,000 | $ 450,000 | $ 364,000 |
| Mahoning County Ohio | 2 | $ 1,280,000 | $ 640,000 | $ 474,000 |
| Muskingum County Ohio | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Portage County Ohio | 2 | $ 430,000 | $ 215,000 | $ 202,000 |
| Summit County Ohio | 2 | $ 1,350,000 | $ 675,000 | $ 188,000 |
| Trumbull County Ohio | 2 | $ 280,000 | $ 140,000 | $ 68,000 |
| Berks County Pennsylvania | 2 | $ 390,000 | $ 195,000 | $ 96,000 |
| Butler County Pennsylvania | 2 | $ 1,200,000 | $ 600,000 | $ 309,000 |
| Cameron County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 48,000 |
| Mifflin County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 127,000 |
| Potter County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 64,000 |
| Washington County Pennsylvania | 2 | $ 1,160,000 | $ 580,000 | $ 981,000 |
| Westmoreland County Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 175,000 |
| Los Angeles County California | 1 | $ 755,000 | $ 755,000 | $ 331,000 |
| Orange County California | 1 | $ 805,000 | $ 805,000 | $ 175,000 |
| Manatee County Florida | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Miami-Dade County Florida | 1 | $ 395,000 | $ 395,000 | $ 349,000 |
| Osceola County Florida | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Polk County Florida | 1 | $ 185,000 | $ 185,000 | $ 162,000 |
| Walton County Florida | 1 | $ 255,000 | $ 255,000 | $ 395,000 |
| Cook County Illinois | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Will County Illinois | 1 | $ 225,000 | $ 225,000 | $ 664,000 |
| Howard County Maryland | 1 | $ 515,000 | $ 515,000 | $ 239,000 |
| Queen Anne's County Maryland | 1 | $ 545,000 | $ 545,000 | $ 207,000 |
| Worcester County Maryland | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Cape May County New Jersey | 1 | $ 705,000 | $ 705,000 | $ 1,269,000 |
| Allegany County New York | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Monroe County New York | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Nassau County New York | 1 | $ 585,000 | $ 585,000 | $ 270,000 |
| Orange County New York | 1 | $ 275,000 | $ 275,000 | $ 126,000 |
| Westchester County New York | 1 | $ 1,005,000 | $ 1,005,000 | $ 203,000 |
| Forsyth County North Carolina | 1 | $ 18,835,000 | $ 18,835,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 140,000 |
| Nash County North Carolina | 1 | $ 585,000 | $ 585,000 | $ 420,000 |
| New Hanover County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Onslow County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 137,000 |
| Allen County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ashland County Ohio | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Champaign County Ohio | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Columbiana County Ohio | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Hancock County Ohio | 1 | $ 115,000 | $ 115,000 | $ 124,000 |
| Logan County Ohio | 1 | $ 135,000 | $ 135,000 | $ 194,000 |
| Lorain County Ohio | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 45,000 | $ 45,000 | $ 112,000 |
| Ross County Ohio | 1 | $ 335,000 | $ 335,000 | $ 765,000 |
| Sandusky County Ohio | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Seneca County Ohio | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Wayne County Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Clarion County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Clinton County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 147,000 |
| Columbia County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 125,000 |
| Cumberland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Franklin County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lawrence County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 435,000 | $ 435,000 | $ 445,000 |
| Union County Pennsylvania | 1 | $ 3,355,000 | $ 3,355,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 362,000 |
| Horry County South Carolina | 1 | $ 185,000 | $ 185,000 | $ 442,000 |
| Johnson County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 487,000 |
| Bedford County Virginia | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 105,000 | $ 105,000 | $ 241,000 |
| Winchester County Virginia | 1 | $ 215,000 | $ 215,000 | $ 88,000 |
| Ohio County West Virginia | 1 | $ 1,935,000 | $ 1,935,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cnb Bank in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,170 | $252,200,000 | $215,000 | $23,475,000 | $138,000 | $2,143,000 |
| Home Purchase | 1,053 | $406,985,000 | $386,000 | $31,665,000 | $119,000 | $2,380,000 |
| Home Improvement | 413 | $39,265,000 | $95,000 | $6,105,000 | $114,000 | $834,000 |
| Other Purpose | 308 | $27,280,000 | $88,000 | $675,000 | $155,000 | $3,114,000 |
| Cash-out Refinancing | 95 | $20,045,000 | $211,000 | $515,000 | $154,000 | $1,840,000 |
| 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 | 2,613 | $389,215,000 | $148,000 | $3,485,000 | $127,000 | $2,380,000 |
| Not applicable | 176 | $304,890,000 | $1,732,000 | $31,665,000 | $0 | $0 |
| Not Provided | 150 | $23,820,000 | $158,000 | $1,005,000 | $145,000 | $1,840,000 |
| Asian | 33 | $13,235,000 | $401,000 | $3,725,000 | $181,000 | $852,000 |
| Black or African American | 25 | $5,545,000 | $221,000 | $685,000 | $291,000 | $3,114,000 |
| Hispanic | 18 | $2,760,000 | $153,000 | $515,000 | $153,000 | $400,000 |
| American Indian or Alaskan Native | 5 | $565,000 | $113,000 | $225,000 | $69,000 | $134,000 |
| 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) | 3,039 | $745,775,000 | $245,000 | $31,665,000 | $131,000 | $3,114,000 |
| 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 | 2,312 | $629,510,000 | $272,000 | $31,665,000 | $138,000 | $3,114,000 |
| Application Denied By Financial Institution | 358 | $45,980,000 | $128,000 | $2,855,000 | $83,000 | $1,520,000 |
| Application Withdrawn By Applicant | 248 | $52,220,000 | $210,000 | $3,905,000 | $134,000 | $2,143,000 |
| Application Approved But Not Accepted | 52 | $11,930,000 | $229,000 | $2,455,000 | $207,000 | $2,380,000 |
| File Closed For Incompleteness | 37 | $4,235,000 | $114,000 | $415,000 | $69,000 | $185,000 |
| Loan Purchased By The Institution | 32 | $1,900,000 | $59,000 | $115,000 | $0 | $0 |
| 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 | 2,681 | $699,795,000 | $261,000 | $31,665,000 | $138,000 | $3,114,000 |
| Debt-To-Income Ratio | 172 | $19,920,000 | $115,000 | $515,000 | $55,000 | $261,000 |
| Credit History | 91 | $6,855,000 | $75,000 | $295,000 | $75,000 | $328,000 |
| Collateral | 45 | $6,645,000 | $147,000 | $1,025,000 | $132,000 | $892,000 |
| Credit Application Incomplete | 22 | $7,250,000 | $329,000 | $2,855,000 | $225,000 | $1,520,000 |
| Other | 22 | $2,980,000 | $135,000 | $525,000 | $96,000 | $326,000 |
| Employment History | 5 | $525,000 | $105,000 | $215,000 | $31,000 | $62,000 |
| Unverifiable Information | 1 | $1,805,000 | $1,805,000 | $1,805,000 | $491,000 | $491,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank's 2020 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.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.