Cnb Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Cnb Bank 2023 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 | 2,186 |
| Total Mortgage Loan Application Amount | $456,535,000 |
| Average Mortgage Loan Application Amount | $188,200 |
| Highest Mortgage Loan Application Amount | $43,705,000 |
| Average Applicant Income | $136,600 |
| Highest Applicant Income | $4,039,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 414 | $ 39,930,000 | $ 96,000 | $ 98,000 |
| Erie County New York | 323 | $ 59,705,000 | $ 184,000 | $ 161,000 |
| Erie County Pennsylvania | 187 | $ 39,565,000 | $ 211,000 | $ 179,000 |
| Elk County Pennsylvania | 128 | $ 12,960,000 | $ 101,000 | $ 97,000 |
| Crawford County Pennsylvania | 102 | $ 10,250,000 | $ 100,000 | $ 110,000 |
| McKean County Pennsylvania | 87 | $ 9,735,000 | $ 111,000 | $ 92,000 |
| Centre County Pennsylvania | 76 | $ 11,870,000 | $ 156,000 | $ 124,000 |
| Warren County Pennsylvania | 65 | $ 6,545,000 | $ 100,000 | $ 101,000 |
| Franklin County Virginia | 61 | $ 21,905,000 | $ 359,000 | $ 209,000 |
| Niagara County New York | 60 | $ 10,080,000 | $ 168,000 | $ 120,000 |
| Jefferson County Pennsylvania | 42 | $ 4,160,000 | $ 99,000 | $ 90,000 |
| Indiana County Pennsylvania | 40 | $ 6,140,000 | $ 153,000 | $ 147,000 |
| Franklin County Ohio | 39 | $ 10,065,000 | $ 258,000 | $ 211,000 |
| Lake County Ohio | 37 | $ 38,785,000 | $ 1,048,000 | $ 210,000 |
| Blair County Pennsylvania | 35 | $ 2,295,000 | $ 65,000 | $ 121,000 |
| Cuyahoga County Ohio | 34 | $ 9,865,000 | $ 298,000 | $ 181,000 |
| Cambria County Pennsylvania | 32 | $ 2,940,000 | $ 91,000 | $ 82,000 |
| Bedford County Virginia | 25 | $ 11,235,000 | $ 449,000 | $ 260,000 |
| Morrow County Ohio | 22 | $ 2,930,000 | $ 133,000 | $ 113,000 |
| Crawford County Ohio | 21 | $ 1,695,000 | $ 80,000 | $ 68,000 |
| Roanoke County Virginia | 21 | $ 5,715,000 | $ 272,000 | $ 271,000 |
| Delaware County Ohio | 16 | $ 3,130,000 | $ 195,000 | $ 273,000 |
| Knox County Ohio | 16 | $ 2,240,000 | $ 140,000 | $ 88,000 |
| Cattaraugus County New York | 15 | $ 3,405,000 | $ 227,000 | $ 497,000 |
| Ashtabula County Ohio | 14 | $ 1,770,000 | $ 126,000 | $ 74,000 |
| Chautauqua County New York | 12 | $ 1,560,000 | $ 130,000 | $ 165,000 |
| Marion County Ohio | 12 | $ 2,910,000 | $ 242,000 | $ 210,000 |
| Salem County Virginia | 11 | $ 2,975,000 | $ 270,000 | $ 240,000 |
| Roanoke City County Virginia | 10 | $ 1,740,000 | $ 174,000 | $ 208,000 |
| Richland County Ohio | 9 | $ 4,335,000 | $ 481,000 | $ 204,000 |
| Genesee County New York | 7 | $ 925,000 | $ 132,000 | $ 84,000 |
| Geauga County Ohio | 6 | $ 2,830,000 | $ 471,000 | $ 281,000 |
| Venango County Pennsylvania | 6 | $ 620,000 | $ 103,000 | $ 112,000 |
| Union County Ohio | 5 | $ 925,000 | $ 185,000 | $ 198,000 |
| Allegheny County Pennsylvania | 5 | $ 485,000 | $ 97,000 | $ 116,000 |
| Huntingdon County Pennsylvania | 5 | $ 1,375,000 | $ 275,000 | $ 228,000 |
| Somerset County Pennsylvania | 5 | $ 775,000 | $ 155,000 | $ 130,000 |
| Pittsylvania County Virginia | 5 | $ 1,855,000 | $ 371,000 | $ 321,000 |
| Charlotte County Florida | 4 | $ 1,590,000 | $ 397,000 | $ 218,000 |
| Allegany County New York | 4 | $ 540,000 | $ 135,000 | $ 103,000 |
| Fairfield County Ohio | 4 | $ 310,000 | $ 77,000 | $ 139,000 |
| Lancaster County Pennsylvania | 4 | $ 360,000 | $ 90,000 | $ 0 |
| Horry County South Carolina | 4 | $ 1,060,000 | $ 265,000 | $ 304,000 |
| Botetourt County Virginia | 4 | $ 1,620,000 | $ 405,000 | $ 156,000 |
| Monroe County Florida | 3 | $ 1,965,000 | $ 655,000 | $ 521,000 |
| Pinellas County Florida | 3 | $ 1,075,000 | $ 358,000 | $ 129,000 |
| Orleans County New York | 3 | $ 565,000 | $ 188,000 | $ 111,000 |
| Wyoming County New York | 3 | $ 795,000 | $ 265,000 | $ 93,000 |
| Wake County North Carolina | 3 | $ 1,245,000 | $ 415,000 | $ 65,000 |
| Licking County Ohio | 3 | $ 505,000 | $ 168,000 | $ 160,000 |
| Madison County Ohio | 3 | $ 745,000 | $ 248,000 | $ 126,000 |
| Cumberland County Pennsylvania | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Forest County Pennsylvania | 3 | $ 585,000 | $ 195,000 | $ 152,000 |
| Lawrence County Pennsylvania | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Fairfax County Virginia | 3 | $ 2,285,000 | $ 761,000 | $ 409,000 |
| Montgomery County Virginia | 3 | $ 1,055,000 | $ 351,000 | $ 57,000 |
| Collier County Florida | 2 | $ 510,000 | $ 255,000 | $ 181,000 |
| Polk County Florida | 2 | $ 610,000 | $ 305,000 | $ 167,000 |
| Sarasota County Florida | 2 | $ 1,360,000 | $ 680,000 | $ 373,000 |
| Brunswick County North Carolina | 2 | $ 620,000 | $ 310,000 | $ 350,000 |
| Buncombe County North Carolina | 2 | $ 1,270,000 | $ 635,000 | $ 332,000 |
| Fayette County Ohio | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Hamilton County Ohio | 2 | $ 490,000 | $ 245,000 | $ 64,000 |
| Pickaway County Ohio | 2 | $ 250,000 | $ 125,000 | $ 122,000 |
| Pike County Ohio | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Portage County Ohio | 2 | $ 620,000 | $ 310,000 | $ 123,000 |
| Ross County Ohio | 2 | $ 240,000 | $ 120,000 | $ 128,000 |
| Bedford County Pennsylvania | 2 | $ 650,000 | $ 325,000 | $ 168,000 |
| Bucks County Pennsylvania | 2 | $ 620,000 | $ 310,000 | $ 905,000 |
| Cameron County Pennsylvania | 2 | $ 480,000 | $ 240,000 | $ 72,000 |
| Franklin County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Mercer County Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 71,000 |
| Mifflin County Pennsylvania | 2 | $ 100,000 | $ 50,000 | $ 136,000 |
| Monroe County Pennsylvania | 2 | $ 200,000 | $ 100,000 | $ 148,000 |
| Washington County Pennsylvania | 2 | $ 570,000 | $ 285,000 | $ 1,106,000 |
| Westmoreland County Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 247,000 |
| Davidson County Tennessee | 2 | $ 920,000 | $ 460,000 | $ 282,000 |
| Lynchburg County Virginia | 2 | $ 530,000 | $ 265,000 | $ 96,000 |
| Martinsville County Virginia | 2 | $ 200,000 | $ 100,000 | $ 80,000 |
| Madera County California | 1 | $ 65,000 | $ 65,000 | $ 200,000 |
| San Bernardino County California | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Sussex County Delaware | 1 | $ 355,000 | $ 355,000 | $ 338,000 |
| Bay County Florida | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Broward County Florida | 1 | $ 785,000 | $ 785,000 | $ 277,000 |
| Holmes County Florida | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Indian River County Florida | 1 | $ 505,000 | $ 505,000 | $ 450,000 |
| Lee County Florida | 1 | $ 375,000 | $ 375,000 | $ 105,000 |
| Levy County Florida | 1 | $ 215,000 | $ 215,000 | $ 180,000 |
| Palm Beach County Florida | 1 | $ 205,000 | $ 205,000 | $ 185,000 |
| Camden County Georgia | 1 | $ 255,000 | $ 255,000 | $ 188,000 |
| Cobb County Georgia | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| Cook County Illinois | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Jefferson County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 411,000 |
| Montgomery County Maryland | 1 | $ 105,000 | $ 105,000 | $ 245,000 |
| Worcester County Maryland | 1 | $ 235,000 | $ 235,000 | $ 347,000 |
| Genesee County Michigan | 1 | $ 75,000 | $ 75,000 | $ 265,000 |
| Macomb County Michigan | 1 | $ 43,705,000 | $ 43,705,000 | $ 0 |
| Crow Wing County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 77,000 |
| Hennepin County Minnesota | 1 | $ 905,000 | $ 905,000 | $ 312,000 |
| Hamilton County New York | 1 | $ 105,000 | $ 105,000 | $ 170,000 |
| Monroe County New York | 1 | $ 85,000 | $ 85,000 | $ 134,000 |
| Onondaga County New York | 1 | $ 335,000 | $ 335,000 | $ 116,000 |
| Ontario County New York | 1 | $ 655,000 | $ 655,000 | $ 391,000 |
| Steuben County New York | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Yates County New York | 1 | $ 255,000 | $ 255,000 | $ 30,000 |
| Forsyth County North Carolina | 1 | $ 12,005,000 | $ 12,005,000 | $ 0 |
| Gaston County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 161,000 |
| Lincoln County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 305,000 |
| Mecklenburg County North Carolina | 1 | $ 755,000 | $ 755,000 | $ 587,000 |
| Perquimans County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Rockingham County North Carolina | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Greene County Ohio | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Jackson County Ohio | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Lawrence County Ohio | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lorain County Ohio | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Mahoning County Ohio | 1 | $ 5,675,000 | $ 5,675,000 | $ 0 |
| Muskingum County Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Perry County Ohio | 1 | $ 95,000 | $ 95,000 | $ 75,000 |
| Summit County Ohio | 1 | $ 95,000 | $ 95,000 | $ 152,000 |
| Trumbull County Ohio | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Warren County Ohio | 1 | $ 55,000 | $ 55,000 | $ 158,000 |
| Wood County Ohio | 1 | $ 145,000 | $ 145,000 | $ 27,000 |
| Wyandot County Ohio | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Adams County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Butler County Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 786,000 |
| Clarion County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Clinton County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Dauphin County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Fayette County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Fulton County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Greene County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lycoming County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Snyder County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 179,000 |
| Tioga County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 386,000 |
| Union County Pennsylvania | 1 | $ 495,000 | $ 495,000 | $ 585,000 |
| Sumter County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Brown County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 110,000 |
| Jefferson County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 111,000 |
| Appomattox County Virginia | 1 | $ 355,000 | $ 355,000 | $ 1,312,000 |
| Campbell County Virginia | 1 | $ 325,000 | $ 325,000 | $ 141,000 |
| Henry County Virginia | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Prince William County Virginia | 1 | $ 145,000 | $ 145,000 | $ 271,000 |
| Radford County Virginia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Stafford County Virginia | 1 | $ 55,000 | $ 55,000 | $ 189,000 |
| Wythe County Virginia | 1 | $ 275,000 | $ 275,000 | $ 272,000 |
| Ozaukee County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Cnb Bank in 2023
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 | 817 | $272,985,000 | $334,000 | $43,705,000 | $153,000 | $2,306,000 |
| Home Improvement | 684 | $77,850,000 | $113,000 | $14,405,000 | $128,000 | $1,475,000 |
| Other Purpose | 348 | $43,800,000 | $125,000 | $1,355,000 | $162,000 | $3,866,000 |
| Refinancing | 332 | $60,975,000 | $184,000 | $4,505,000 | $141,000 | $4,039,000 |
| Cash-out Refinancing | 5 | $925,000 | $185,000 | $275,000 | $99,000 | $161,000 |
| 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 | 1,844 | $284,800,000 | $154,000 | $3,315,000 | $140,000 | $3,866,000 |
| Not Provided | 158 | $30,900,000 | $195,000 | $2,105,000 | $206,000 | $4,039,000 |
| Not applicable | 120 | $129,475,000 | $1,088,000 | $43,705,000 | $0 | $0 |
| Black or African American | 31 | $3,055,000 | $98,000 | $425,000 | $100,000 | $490,000 |
| Asian | 17 | $3,835,000 | $225,000 | $635,000 | $171,000 | $493,000 |
| Hispanic | 11 | $2,845,000 | $258,000 | $755,000 | $140,000 | $587,000 |
| American Indian or Alaskan Native | 2 | $1,010,000 | $505,000 | $905,000 | $184,000 | $312,000 |
| 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) | 2,186 | $456,535,000 | $208,000 | $43,705,000 | $144,000 | $4,039,000 |
| 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 | 1,678 | $311,565,000 | $185,000 | $12,005,000 | $157,000 | $4,039,000 |
| Application Denied By Financial Institution | 308 | $39,330,000 | $127,000 | $3,125,000 | $89,000 | $1,800,000 |
| Application Withdrawn By Applicant | 98 | $49,800,000 | $508,000 | $14,405,000 | $128,000 | $832,000 |
| Application Approved But Not Accepted | 46 | $49,470,000 | $1,075,000 | $43,705,000 | $128,000 | $1,080,000 |
| Loan Purchased By The Institution | 32 | $3,970,000 | $124,000 | $535,000 | $0 | $0 |
| File Closed For Incompleteness | 24 | $2,400,000 | $100,000 | $485,000 | $94,000 | $268,000 |
| 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 | 1,878 | $417,205,000 | $222,000 | $43,705,000 | $154,000 | $4,039,000 |
| Debt-To-Income Ratio | 134 | $17,860,000 | $133,000 | $905,000 | $68,000 | $312,000 |
| Credit History | 103 | $7,495,000 | $72,000 | $645,000 | $76,000 | $495,000 |
| Collateral | 31 | $3,795,000 | $122,000 | $1,355,000 | $143,000 | $1,800,000 |
| Credit Application Incomplete | 16 | $6,960,000 | $435,000 | $3,125,000 | $205,000 | $598,000 |
| Other | 16 | $2,440,000 | $152,000 | $565,000 | $129,000 | $471,000 |
| Employment History | 3 | $245,000 | $81,000 | $175,000 | $56,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $145,000 | $48,000 | $85,000 | $18,000 | $37,000 |
| Unverifiable Information | 2 | $390,000 | $195,000 | $215,000 | $254,000 | $461,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank's 2023 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.