Cnb Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Cnb Bank 2021 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 | 3,247 |
| Total Mortgage Loan Application Amount | $745,825,000 |
| Average Mortgage Loan Application Amount | $197,200 |
| Highest Mortgage Loan Application Amount | $37,775,000 |
| Average Applicant Income | $132,400 |
| Highest Applicant Income | $3,280,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 540 | $ 63,880,000 | $ 118,000 | $ 113,000 |
| Erie County Pennsylvania | 409 | $ 95,975,000 | $ 234,000 | $ 147,000 |
| Erie County New York | 373 | $ 95,355,000 | $ 255,000 | $ 120,000 |
| Crawford County Pennsylvania | 220 | $ 28,020,000 | $ 127,000 | $ 138,000 |
| Elk County Pennsylvania | 178 | $ 18,320,000 | $ 102,000 | $ 85,000 |
| McKean County Pennsylvania | 153 | $ 15,005,000 | $ 98,000 | $ 89,000 |
| Indiana County Pennsylvania | 112 | $ 16,250,000 | $ 145,000 | $ 118,000 |
| Franklin County Ohio | 108 | $ 26,970,000 | $ 249,000 | $ 196,000 |
| Warren County Pennsylvania | 108 | $ 16,530,000 | $ 153,000 | $ 97,000 |
| Lake County Ohio | 95 | $ 29,025,000 | $ 305,000 | $ 159,000 |
| Centre County Pennsylvania | 91 | $ 12,015,000 | $ 132,000 | $ 122,000 |
| Cambria County Pennsylvania | 73 | $ 6,605,000 | $ 90,000 | $ 86,000 |
| Niagara County New York | 71 | $ 9,385,000 | $ 132,000 | $ 107,000 |
| Blair County Pennsylvania | 63 | $ 11,445,000 | $ 181,000 | $ 117,000 |
| Jefferson County Pennsylvania | 59 | $ 8,125,000 | $ 137,000 | $ 99,000 |
| Morrow County Ohio | 55 | $ 8,025,000 | $ 145,000 | $ 98,000 |
| Cuyahoga County Ohio | 50 | $ 108,660,000 | $ 2,173,000 | $ 327,000 |
| Crawford County Ohio | 43 | $ 4,595,000 | $ 106,000 | $ 74,000 |
| Ashtabula County Ohio | 33 | $ 8,025,000 | $ 243,000 | $ 102,000 |
| Delaware County Ohio | 31 | $ 27,965,000 | $ 902,000 | $ 144,000 |
| Chautauqua County New York | 20 | $ 4,960,000 | $ 248,000 | $ 266,000 |
| Knox County Ohio | 20 | $ 2,750,000 | $ 137,000 | $ 82,000 |
| Genesee County New York | 17 | $ 1,785,000 | $ 105,000 | $ 83,000 |
| Marion County Ohio | 15 | $ 2,415,000 | $ 161,000 | $ 125,000 |
| Geauga County Ohio | 12 | $ 6,000,000 | $ 500,000 | $ 199,000 |
| Richland County Ohio | 12 | $ 1,440,000 | $ 120,000 | $ 321,000 |
| Allegheny County Pennsylvania | 12 | $ 4,030,000 | $ 335,000 | $ 229,000 |
| Union County Ohio | 11 | $ 1,865,000 | $ 169,000 | $ 152,000 |
| Collier County Florida | 10 | $ 6,500,000 | $ 650,000 | $ 310,000 |
| Franklin County Virginia | 9 | $ 4,245,000 | $ 471,000 | $ 370,000 |
| Cattaraugus County New York | 8 | $ 2,130,000 | $ 266,000 | $ 389,000 |
| Bedford County Pennsylvania | 8 | $ 840,000 | $ 105,000 | $ 115,000 |
| Butler County Pennsylvania | 8 | $ 3,990,000 | $ 498,000 | $ 227,000 |
| Mercer County Pennsylvania | 8 | $ 4,110,000 | $ 513,000 | $ 101,000 |
| Bedford County Virginia | 8 | $ 1,870,000 | $ 233,000 | $ 86,000 |
| Licking County Ohio | 7 | $ 1,635,000 | $ 233,000 | $ 233,000 |
| Armstrong County Pennsylvania | 7 | $ 955,000 | $ 136,000 | $ 70,000 |
| Fairfield County Ohio | 6 | $ 1,550,000 | $ 258,000 | $ 186,000 |
| Summit County Ohio | 6 | $ 3,450,000 | $ 575,000 | $ 284,000 |
| Venango County Pennsylvania | 6 | $ 1,350,000 | $ 225,000 | $ 168,000 |
| Bay County Florida | 5 | $ 2,055,000 | $ 411,000 | $ 215,000 |
| Huntingdon County Pennsylvania | 5 | $ 945,000 | $ 189,000 | $ 335,000 |
| Westmoreland County Pennsylvania | 5 | $ 775,000 | $ 155,000 | $ 109,000 |
| Lee County Florida | 4 | $ 1,370,000 | $ 342,000 | $ 115,000 |
| Madison County Ohio | 4 | $ 1,470,000 | $ 367,000 | $ 197,000 |
| Beaver County Pennsylvania | 4 | $ 420,000 | $ 105,000 | $ 100,000 |
| Washington County Pennsylvania | 4 | $ 420,000 | $ 105,000 | $ 112,000 |
| Botetourt County Virginia | 4 | $ 6,110,000 | $ 1,527,000 | $ 255,000 |
| Roanoke County Virginia | 4 | $ 860,000 | $ 215,000 | $ 257,000 |
| Roanoke City County Virginia | 4 | $ 2,320,000 | $ 580,000 | $ 0 |
| Salem County Virginia | 4 | $ 1,330,000 | $ 332,000 | $ 179,000 |
| Maricopa County Arizona | 3 | $ 695,000 | $ 231,000 | $ 385,000 |
| Palm Beach County Florida | 3 | $ 1,125,000 | $ 375,000 | $ 336,000 |
| Pinellas County Florida | 3 | $ 1,855,000 | $ 618,000 | $ 154,000 |
| Monroe County New York | 3 | $ 415,000 | $ 138,000 | $ 127,000 |
| Ashland County Ohio | 3 | $ 345,000 | $ 115,000 | $ 49,000 |
| Fayette County Ohio | 3 | $ 165,000 | $ 55,000 | $ 0 |
| Huron County Ohio | 3 | $ 385,000 | $ 128,000 | $ 78,000 |
| Cameron County Pennsylvania | 3 | $ 325,000 | $ 108,000 | $ 80,000 |
| Lancaster County Pennsylvania | 3 | $ 55,000 | $ 18,000 | $ 153,000 |
| Somerset County Pennsylvania | 3 | $ 345,000 | $ 115,000 | $ 56,000 |
| Lynchburg County Virginia | 3 | $ 585,000 | $ 195,000 | $ 92,000 |
| San Diego County California | 2 | $ 4,410,000 | $ 2,205,000 | $ 682,000 |
| Broward County Florida | 2 | $ 1,480,000 | $ 740,000 | $ 210,000 |
| Sarasota County Florida | 2 | $ 580,000 | $ 290,000 | $ 80,000 |
| St. Johns County Florida | 2 | $ 1,420,000 | $ 710,000 | $ 740,000 |
| Allegany County New York | 2 | $ 310,000 | $ 155,000 | $ 155,000 |
| Wyoming County New York | 2 | $ 280,000 | $ 140,000 | $ 66,000 |
| Yates County New York | 2 | $ 680,000 | $ 340,000 | $ 212,000 |
| Ottawa County Ohio | 2 | $ 1,110,000 | $ 555,000 | $ 481,000 |
| Portage County Ohio | 2 | $ 440,000 | $ 220,000 | $ 19,000 |
| Wyandot County Ohio | 2 | $ 440,000 | $ 220,000 | $ 122,000 |
| Clarion County Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 185,000 |
| Columbia County Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 92,000 |
| Cumberland County Pennsylvania | 2 | $ 690,000 | $ 345,000 | $ 427,000 |
| Forest County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 79,000 |
| Luzerne County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 132,000 |
| Mifflin County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| Horry County South Carolina | 2 | $ 700,000 | $ 350,000 | $ 122,000 |
| Arapahoe County Colorado | 1 | $ 1,405,000 | $ 1,405,000 | $ 611,000 |
| Jefferson County Colorado | 1 | $ 245,000 | $ 245,000 | $ 42,000 |
| District of Columbia County District Of Columbia | 1 | $ 855,000 | $ 855,000 | $ 190,000 |
| Charlotte County Florida | 1 | $ 285,000 | $ 285,000 | $ 257,000 |
| Citrus County Florida | 1 | $ 265,000 | $ 265,000 | $ 311,000 |
| Hillsborough County Florida | 1 | $ 255,000 | $ 255,000 | $ 218,000 |
| Jackson County Florida | 1 | $ 275,000 | $ 275,000 | $ 204,000 |
| Sumter County Florida | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Walton County Florida | 1 | $ 265,000 | $ 265,000 | $ 387,000 |
| DeKalb County Georgia | 1 | $ 1,855,000 | $ 1,855,000 | $ 1,812,000 |
| Hall County Georgia | 1 | $ 1,865,000 | $ 1,865,000 | $ 178,000 |
| Calhoun County Illinois | 1 | $ 75,000 | $ 75,000 | $ 538,000 |
| Worcester County Maryland | 1 | $ 135,000 | $ 135,000 | $ 187,000 |
| Clark County Nevada | 1 | $ 355,000 | $ 355,000 | $ 569,000 |
| Livingston County New York | 1 | $ 265,000 | $ 265,000 | $ 169,000 |
| Orleans County New York | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Saratoga County New York | 1 | $ 45,000 | $ 45,000 | $ 154,000 |
| Cumberland County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 450,000 |
| Forsyth County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| Franklin County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 300,000 |
| Henderson County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 134,000 |
| Iredell County North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 698,000 |
| Moore County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 250,000 |
| New Hanover County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 324,000 |
| Onslow County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Union County North Carolina | 1 | $ 1,645,000 | $ 1,645,000 | $ 0 |
| Wake County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 336,000 |
| Wilson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Adams County Ohio | 1 | $ 245,000 | $ 245,000 | $ 162,000 |
| Butler County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Champaign County Ohio | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Erie County Ohio | 1 | $ 465,000 | $ 465,000 | $ 339,000 |
| Gallia County Ohio | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Hamilton County Ohio | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Hocking County Ohio | 1 | $ 25,000 | $ 25,000 | $ 202,000 |
| Logan County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lorain County Ohio | 1 | $ 1,065,000 | $ 1,065,000 | $ 339,000 |
| Lucas County Ohio | 1 | $ 1,715,000 | $ 1,715,000 | $ 0 |
| Medina County Ohio | 1 | $ 14,755,000 | $ 14,755,000 | $ 0 |
| Pickaway County Ohio | 1 | $ 65,000 | $ 65,000 | $ 186,000 |
| Seneca County Ohio | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Clinton County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Greene County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 139,000 |
| Lawrence County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Monroe County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 332,000 |
| Perry County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 76,000 |
| Potter County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Schuylkill County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 119,000 |
| York County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 142,000 |
| Beaufort County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 473,000 |
| Charleston County South Carolina | 1 | $ 2,105,000 | $ 2,105,000 | $ 477,000 |
| Spartanburg County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Campbell County Tennessee | 1 | $ 1,115,000 | $ 1,115,000 | $ 329,000 |
| Travis County Texas | 1 | $ 345,000 | $ 345,000 | $ 143,000 |
| Loudoun County Virginia | 1 | $ 45,000 | $ 45,000 | $ 231,000 |
| Martinsville County Virginia | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Pittsylvania County Virginia | 1 | $ 125,000 | $ 125,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Cnb Bank in 2021
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 | 1,242 | $237,800,000 | $191,000 | $6,325,000 | $123,000 | $1,771,000 |
| Home Purchase | 1,070 | $396,140,000 | $370,000 | $37,775,000 | $143,000 | $3,280,000 |
| Home Improvement | 472 | $41,170,000 | $87,000 | $3,075,000 | $111,000 | $645,000 |
| Other Purpose | 318 | $39,590,000 | $124,000 | $2,005,000 | $157,000 | $1,812,000 |
| Cash-out Refinancing | 145 | $31,125,000 | $214,000 | $545,000 | $128,000 | $510,000 |
| 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 | 2,787 | $430,365,000 | $154,000 | $2,835,000 | $127,000 | $3,280,000 |
| Not applicable | 245 | $266,515,000 | $1,087,000 | $37,775,000 | $0 | $0 |
| Not Provided | 115 | $20,205,000 | $175,000 | $1,245,000 | $166,000 | $1,269,000 |
| Black or African American | 34 | $8,270,000 | $243,000 | $1,855,000 | $190,000 | $1,812,000 |
| Asian | 32 | $12,840,000 | $401,000 | $4,675,000 | $191,000 | $1,172,000 |
| Hispanic | 23 | $5,755,000 | $250,000 | $905,000 | $256,000 | $1,238,000 |
| American Indian or Alaskan Native | 2 | $210,000 | $105,000 | $185,000 | $135,000 | $217,000 |
| 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) | 3,247 | $745,825,000 | $229,000 | $37,775,000 | $131,000 | $3,280,000 |
| 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 | 2,606 | $636,060,000 | $244,000 | $37,775,000 | $138,000 | $3,280,000 |
| Application Denied By Financial Institution | 348 | $47,110,000 | $135,000 | $1,865,000 | $80,000 | $569,000 |
| Application Withdrawn By Applicant | 218 | $50,280,000 | $230,000 | $4,785,000 | $134,000 | $1,014,000 |
| Application Approved But Not Accepted | 37 | $8,625,000 | $233,000 | $3,105,000 | $128,000 | $500,000 |
| File Closed For Incompleteness | 25 | $2,715,000 | $108,000 | $345,000 | $81,000 | $190,000 |
| Loan Purchased By The Institution | 13 | $1,035,000 | $79,000 | $355,000 | $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 | 2,899 | $698,715,000 | $241,000 | $37,775,000 | $137,000 | $3,280,000 |
| Debt-To-Income Ratio | 127 | $18,565,000 | $146,000 | $1,865,000 | $59,000 | $339,000 |
| Credit History | 110 | $11,550,000 | $105,000 | $545,000 | $85,000 | $536,000 |
| Collateral | 40 | $6,320,000 | $158,000 | $405,000 | $112,000 | $569,000 |
| Other | 31 | $3,995,000 | $128,000 | $365,000 | $98,000 | $434,000 |
| Credit Application Incomplete | 26 | $4,280,000 | $164,000 | $535,000 | $98,000 | $221,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $580,000 | $96,000 | $155,000 | $47,000 | $64,000 |
| Employment History | 5 | $385,000 | $77,000 | $145,000 | $34,000 | $114,000 |
| Unverifiable Information | 3 | $1,435,000 | $478,000 | $1,275,000 | $218,000 | $333,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank's 2021 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.