Cnb Bank Mortgage Rates, Fees & Info
Berkeley Springs, WVLEI: 254900EDYO1UYWLWP146
Tax ID: 55-0143757
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Cnb Bank is a smaller bank specializing in Home Purchase loans. Cnb Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Hagerstown, Chambersburg, Washington, Winchester, and Nashville among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Cnb Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
226Origination Dollar Volume (All Markets)
$69,400,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 164 | $45,130,000 | $275,183 | $0 | 0.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 21 | $8,685,000 | $413,571 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 9 | $3,525,000 | $391,667 | $0 | 0.00% |
| Outside of Metro Areas | 10 | $3,230,000 | $323,000 | $0 | 0.00% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 5 | $1,845,000 | $369,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $1,465,000 | $1,465,000 | $0 | 0.00% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 0.00% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 0.00% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $0 | 0.00% |
| READING, PA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 0.00% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against CNB Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 216 | $66,260,000 | $306,759 | $0 | 0.00% |
| VA | 6 | $2,170,000 | $361,667 | $0 | 0.00% |
| USDA | 4 | $970,000 | $242,500 | $0 | 0.00% |
For 2024, Cnb Bank's most frequently originated type of loan was Conventional, with 216 originations. Their 2nd most popular type was VA, with 6 originations.
Loan Reason
For 2024, Cnb Bank's most frequently cited loan purpose was Home Purchase, with 172 originations. The 2nd most popular reason was Home Improvement, with 20 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 226 | $69,400,000 | $307,080 | $0 | 0.00% |
For 2024, Cnb Bank's most frequently cited loan duration was Other, with 226 originations.
Loan Sizing
2024 saw Cnb Bank place emphasis on $200k-400k loans with 105 originations, totaling $30,105,000 in origination value.
Applicant Income
Cnb Bank lent most frequently to those with incomes in the $100k-150k range, with 49 originations. The second most popular income band? $150k-250k, with 47 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 226 | $69,400,000 | $307,080 | $0 | 0.00% |
Cnb Bank lent most frequently to those with DTI ratios of Exempt%, with 226 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.94%
Cnb Bank has an average approval rate.
Pick Rate
Approvals leading to origination90.71%
Cnb Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 226 | $69,400,000 | $307,080 |