Cnb Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Cnb Bank 2022 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 | 3,158 |
| Total Mortgage Loan Application Amount | $861,160,000 |
| Average Mortgage Loan Application Amount | $238,000 |
| Highest Mortgage Loan Application Amount | $32,765,000 |
| Average Applicant Income | $141,200 |
| Highest Applicant Income | $7,772,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 567 | $ 59,285,000 | $ 104,000 | $ 86,000 |
| Erie County New York | 397 | $ 106,755,000 | $ 268,000 | $ 157,000 |
| Erie County Pennsylvania | 325 | $ 69,895,000 | $ 215,000 | $ 151,000 |
| Crawford County Pennsylvania | 198 | $ 25,310,000 | $ 127,000 | $ 140,000 |
| Elk County Pennsylvania | 148 | $ 17,120,000 | $ 115,000 | $ 106,000 |
| McKean County Pennsylvania | 125 | $ 12,245,000 | $ 97,000 | $ 85,000 |
| Franklin County Ohio | 99 | $ 114,775,000 | $ 1,159,000 | $ 206,000 |
| Warren County Pennsylvania | 98 | $ 14,100,000 | $ 143,000 | $ 124,000 |
| Niagara County New York | 96 | $ 20,310,000 | $ 211,000 | $ 133,000 |
| Centre County Pennsylvania | 90 | $ 25,930,000 | $ 288,000 | $ 130,000 |
| Indiana County Pennsylvania | 75 | $ 10,175,000 | $ 135,000 | $ 125,000 |
| Blair County Pennsylvania | 66 | $ 7,890,000 | $ 119,000 | $ 100,000 |
| Jefferson County Pennsylvania | 64 | $ 7,410,000 | $ 115,000 | $ 84,000 |
| Lake County Ohio | 60 | $ 19,030,000 | $ 317,000 | $ 178,000 |
| Cambria County Pennsylvania | 54 | $ 4,160,000 | $ 77,000 | $ 86,000 |
| Cuyahoga County Ohio | 45 | $ 105,495,000 | $ 2,344,000 | $ 284,000 |
| Franklin County Virginia | 44 | $ 17,380,000 | $ 395,000 | $ 168,000 |
| Delaware County Ohio | 40 | $ 10,650,000 | $ 266,000 | $ 182,000 |
| Crawford County Ohio | 38 | $ 2,990,000 | $ 78,000 | $ 86,000 |
| Morrow County Ohio | 34 | $ 4,820,000 | $ 141,000 | $ 102,000 |
| Ashtabula County Ohio | 33 | $ 5,285,000 | $ 160,000 | $ 165,000 |
| Sumter County South Carolina | 29 | $ 1,585,000 | $ 54,000 | $ 0 |
| Bedford County Virginia | 19 | $ 4,935,000 | $ 259,000 | $ 142,000 |
| Knox County Ohio | 17 | $ 2,065,000 | $ 121,000 | $ 96,000 |
| Cattaraugus County New York | 16 | $ 4,620,000 | $ 288,000 | $ 321,000 |
| Chautauqua County New York | 16 | $ 3,130,000 | $ 195,000 | $ 162,000 |
| Salem County Virginia | 15 | $ 3,185,000 | $ 212,000 | $ 176,000 |
| Genesee County New York | 14 | $ 1,800,000 | $ 128,000 | $ 91,000 |
| Marion County Ohio | 14 | $ 2,900,000 | $ 207,000 | $ 304,000 |
| Allegheny County Pennsylvania | 14 | $ 3,460,000 | $ 247,000 | $ 200,000 |
| Roanoke County Virginia | 14 | $ 3,580,000 | $ 255,000 | $ 173,000 |
| Geauga County Ohio | 13 | $ 3,725,000 | $ 286,000 | $ 201,000 |
| Mercer County Pennsylvania | 13 | $ 1,615,000 | $ 124,000 | $ 100,000 |
| Roanoke City County Virginia | 13 | $ 2,515,000 | $ 193,000 | $ 266,000 |
| Licking County Ohio | 10 | $ 2,820,000 | $ 282,000 | $ 129,000 |
| Butler County Pennsylvania | 10 | $ 4,340,000 | $ 434,000 | $ 204,000 |
| Westmoreland County Pennsylvania | 10 | $ 1,720,000 | $ 172,000 | $ 177,000 |
| Union County Ohio | 8 | $ 3,250,000 | $ 406,000 | $ 174,000 |
| Fairfield County Ohio | 7 | $ 1,105,000 | $ 157,000 | $ 186,000 |
| Bedford County Pennsylvania | 7 | $ 985,000 | $ 140,000 | $ 96,000 |
| Wyoming County New York | 6 | $ 1,310,000 | $ 218,000 | $ 98,000 |
| Richland County Ohio | 6 | $ 340,000 | $ 56,000 | $ 72,000 |
| Trumbull County Ohio | 6 | $ 7,960,000 | $ 1,326,000 | $ 135,000 |
| Davidson County Tennessee | 6 | $ 5,060,000 | $ 843,000 | $ 433,000 |
| Henry County Virginia | 6 | $ 950,000 | $ 158,000 | $ 121,000 |
| Forest County Pennsylvania | 5 | $ 285,000 | $ 57,000 | $ 91,000 |
| Potter County Pennsylvania | 5 | $ 725,000 | $ 145,000 | $ 111,000 |
| Somerset County Pennsylvania | 5 | $ 1,775,000 | $ 355,000 | $ 183,000 |
| Collier County Florida | 4 | $ 1,230,000 | $ 307,000 | $ 340,000 |
| Palm Beach County Florida | 4 | $ 1,480,000 | $ 370,000 | $ 169,000 |
| Sarasota County Florida | 4 | $ 5,710,000 | $ 1,427,000 | $ 359,000 |
| Allegany County New York | 4 | $ 800,000 | $ 200,000 | $ 178,000 |
| Summit County Ohio | 4 | $ 15,530,000 | $ 3,882,000 | $ 370,000 |
| Armstrong County Pennsylvania | 4 | $ 550,000 | $ 137,000 | $ 82,000 |
| Duval County Florida | 3 | $ 1,545,000 | $ 515,000 | $ 290,000 |
| Lee County Florida | 3 | $ 3,065,000 | $ 1,021,000 | $ 246,000 |
| Steuben County New York | 3 | $ 545,000 | $ 181,000 | $ 54,000 |
| Wake County North Carolina | 3 | $ 1,175,000 | $ 391,000 | $ 85,000 |
| Madison County Ohio | 3 | $ 975,000 | $ 325,000 | $ 98,000 |
| Cameron County Pennsylvania | 3 | $ 565,000 | $ 188,000 | $ 69,000 |
| Venango County Pennsylvania | 3 | $ 215,000 | $ 71,000 | $ 70,000 |
| York County Pennsylvania | 3 | $ 385,000 | $ 128,000 | $ 142,000 |
| Bay County Florida | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Miami-Dade County Florida | 2 | $ 2,760,000 | $ 1,380,000 | $ 4,046,000 |
| Livingston County New York | 2 | $ 280,000 | $ 140,000 | $ 444,000 |
| Monroe County New York | 2 | $ 300,000 | $ 150,000 | $ 294,000 |
| Brunswick County North Carolina | 2 | $ 1,110,000 | $ 555,000 | $ 210,000 |
| Durham County North Carolina | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Gaston County North Carolina | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Hamilton County Ohio | 2 | $ 3,730,000 | $ 1,865,000 | $ 187,000 |
| Logan County Ohio | 2 | $ 460,000 | $ 230,000 | $ 373,000 |
| Lorain County Ohio | 2 | $ 2,440,000 | $ 1,220,000 | $ 119,000 |
| Lucas County Ohio | 2 | $ 430,000 | $ 215,000 | $ 0 |
| Mahoning County Ohio | 2 | $ 2,580,000 | $ 1,290,000 | $ 20,000 |
| Pickaway County Ohio | 2 | $ 400,000 | $ 200,000 | $ 136,000 |
| Portage County Ohio | 2 | $ 990,000 | $ 495,000 | $ 475,000 |
| Beaver County Pennsylvania | 2 | $ 760,000 | $ 380,000 | $ 123,000 |
| Clarion County Pennsylvania | 2 | $ 540,000 | $ 270,000 | $ 222,000 |
| Clinton County Pennsylvania | 2 | $ 410,000 | $ 205,000 | $ 178,000 |
| Huntingdon County Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 56,000 |
| Lycoming County Pennsylvania | 2 | $ 420,000 | $ 210,000 | $ 74,000 |
| Harris County Texas | 2 | $ 850,000 | $ 425,000 | $ 333,000 |
| Appomattox County Virginia | 2 | $ 2,260,000 | $ 1,130,000 | $ 744,000 |
| Botetourt County Virginia | 2 | $ 1,440,000 | $ 720,000 | $ 311,000 |
| Montgomery County Virginia | 2 | $ 9,530,000 | $ 4,765,000 | $ 264,000 |
| Maricopa County Arizona | 1 | $ 1,005,000 | $ 1,005,000 | $ 244,000 |
| Mohave County Arizona | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Larimer County Colorado | 1 | $ 425,000 | $ 425,000 | $ 175,000 |
| Fairfield County Connecticut | 1 | $ 755,000 | $ 755,000 | $ 239,000 |
| District of Columbia County District Of Columbia | 1 | $ 325,000 | $ 325,000 | $ 107,000 |
| Brevard County Florida | 1 | $ 305,000 | $ 305,000 | $ 164,000 |
| Broward County Florida | 1 | $ 255,000 | $ 255,000 | $ 238,000 |
| Hillsborough County Florida | 1 | $ 655,000 | $ 655,000 | $ 321,000 |
| Lake County Florida | 1 | $ 635,000 | $ 635,000 | $ 273,000 |
| Marion County Florida | 1 | $ 345,000 | $ 345,000 | $ 232,000 |
| Osceola County Florida | 1 | $ 255,000 | $ 255,000 | $ 205,000 |
| Pinellas County Florida | 1 | $ 85,000 | $ 85,000 | $ 109,000 |
| St. Johns County Florida | 1 | $ 665,000 | $ 665,000 | $ 285,000 |
| Sumter County Florida | 1 | $ 365,000 | $ 365,000 | $ 214,000 |
| Bartow County Georgia | 1 | $ 65,000 | $ 65,000 | $ 23,000 |
| Hart County Georgia | 1 | $ 755,000 | $ 755,000 | $ 153,000 |
| Cook County Illinois | 1 | $ 315,000 | $ 315,000 | $ 138,000 |
| Montgomery County Maryland | 1 | $ 1,835,000 | $ 1,835,000 | $ 318,000 |
| Dukes County Massachusetts | 1 | $ 2,255,000 | $ 2,255,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 96,000 |
| Barry County Missouri | 1 | $ 155,000 | $ 155,000 | $ 92,000 |
| Lewis County New York | 1 | $ 255,000 | $ 255,000 | $ 239,000 |
| Nassau County New York | 1 | $ 305,000 | $ 305,000 | $ 336,000 |
| Ontario County New York | 1 | $ 425,000 | $ 425,000 | $ 3,857,000 |
| Seneca County New York | 1 | $ 505,000 | $ 505,000 | $ 253,000 |
| St. Lawrence County New York | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Wayne County New York | 1 | $ 175,000 | $ 175,000 | $ 102,000 |
| Westchester County New York | 1 | $ 1,005,000 | $ 1,005,000 | $ 53,000 |
| Cleveland County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Guilford County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Henderson County North Carolina | 1 | $ 1,705,000 | $ 1,705,000 | $ 314,000 |
| Mecklenburg County North Carolina | 1 | $ 855,000 | $ 855,000 | $ 434,000 |
| Moore County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 233,000 |
| Union County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 263,000 |
| Carroll County Ohio | 1 | $ 1,425,000 | $ 1,425,000 | $ 0 |
| Fayette County Ohio | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Hocking County Ohio | 1 | $ 255,000 | $ 255,000 | $ 285,000 |
| Huron County Ohio | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Jackson County Ohio | 1 | $ 2,135,000 | $ 2,135,000 | $ 0 |
| Medina County Ohio | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Montgomery County Ohio | 1 | $ 105,000 | $ 105,000 | $ 109,000 |
| Muskingum County Ohio | 1 | $ 145,000 | $ 145,000 | $ 147,000 |
| Stark County Ohio | 1 | $ 2,435,000 | $ 2,435,000 | $ 0 |
| Berks County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Dauphin County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 427,000 |
| Fulton County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Greene County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Lancaster County Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 178,000 |
| Lawrence County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Schuylkill County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Washington County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 89,000 |
| Beaufort County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Clarendon County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Horry County South Carolina | 1 | $ 27,145,000 | $ 27,145,000 | $ 0 |
| Lancaster County South Carolina | 1 | $ 1,845,000 | $ 1,845,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 125,000 |
| Alexandria County Virginia | 1 | $ 255,000 | $ 255,000 | $ 86,000 |
| Galax County Virginia | 1 | $ 145,000 | $ 145,000 | $ 349,000 |
| Lexington County Virginia | 1 | $ 4,085,000 | $ 4,085,000 | $ 0 |
| Loudoun County Virginia | 1 | $ 105,000 | $ 105,000 | $ 268,000 |
| Norfolk County Virginia | 1 | $ 505,000 | $ 505,000 | $ 207,000 |
| Pittsylvania County Virginia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Jefferson County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Cnb Bank in 2022
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 | 1,180 | $530,870,000 | $449,000 | $32,765,000 | $138,000 | $7,772,000 |
| Refinancing | 819 | $198,035,000 | $241,000 | $9,405,000 | $126,000 | $1,265,000 |
| Home Improvement | 769 | $75,585,000 | $98,000 | $1,005,000 | $137,000 | $3,802,000 |
| Other Purpose | 357 | $47,765,000 | $133,000 | $2,255,000 | $172,000 | $3,857,000 |
| Cash-out Refinancing | 33 | $8,905,000 | $269,000 | $725,000 | $133,000 | $468,000 |
| 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 | 2,631 | $432,525,000 | $164,000 | $4,255,000 | $135,000 | $7,772,000 |
| Not applicable | 248 | $369,200,000 | $1,488,000 | $32,765,000 | $0 | $0 |
| Not Provided | 165 | $35,005,000 | $212,000 | $2,465,000 | $179,000 | $2,351,000 |
| Asian | 48 | $13,470,000 | $280,000 | $1,835,000 | $204,000 | $913,000 |
| Black or African American | 39 | $4,595,000 | $117,000 | $815,000 | $122,000 | $635,000 |
| Hispanic | 20 | $4,060,000 | $203,000 | $705,000 | $159,000 | $625,000 |
| American Indian or Alaskan Native | 2 | $410,000 | $205,000 | $305,000 | $178,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $268,000 | $268,000 |
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) | 3,158 | $861,160,000 | $272,000 | $32,765,000 | $138,000 | $7,772,000 |
| 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 | 2,609 | $732,635,000 | $280,000 | $32,765,000 | $145,000 | $7,772,000 |
| Application Denied By Financial Institution | 287 | $59,055,000 | $205,000 | $6,115,000 | $93,000 | $3,857,000 |
| Application Withdrawn By Applicant | 168 | $43,710,000 | $260,000 | $5,005,000 | $144,000 | $1,265,000 |
| File Closed For Incompleteness | 44 | $7,370,000 | $167,000 | $905,000 | $92,000 | $365,000 |
| Application Approved But Not Accepted | 44 | $18,040,000 | $410,000 | $12,005,000 | $99,000 | $343,000 |
| Loan Purchased By The Institution | 6 | $350,000 | $58,000 | $135,000 | $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 | 2,871 | $802,105,000 | $279,000 | $32,765,000 | $143,000 | $7,772,000 |
| Debt-To-Income Ratio | 128 | $29,650,000 | $231,000 | $4,255,000 | $60,000 | $368,000 |
| Credit History | 67 | $5,155,000 | $76,000 | $335,000 | $77,000 | $370,000 |
| Collateral | 34 | $12,600,000 | $370,000 | $6,115,000 | $112,000 | $338,000 |
| Other | 29 | $5,545,000 | $191,000 | $905,000 | $268,000 | $3,857,000 |
| Credit Application Incomplete | 20 | $4,910,000 | $245,000 | $2,245,000 | $93,000 | $483,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $975,000 | $195,000 | $385,000 | $68,000 | $126,000 |
| Employment History | 4 | $220,000 | $55,000 | $65,000 | $50,000 | $79,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank's 2022 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.