Cnb Bank Mortgage Rates, Fees & Info

Clearfield, PA

LEI: 549300NBFK4GO76FTE84

Tax ID: 25-0422340

5 stars - Updated: 2/25/24 - out of 5 stars, based on 51 reviews

Latest/2022 | 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 and Refi loans. Cnb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Cleveland, Buffalo, Erie, and Dubois among others. We have data for 84 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. Cnb Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.66% 2/25/24
30 Year Conventional Purchase 6.45% 2/25/24
30 Year Conventional Refi 6.34% 2/25/24
30 Year Cash-out Refi 6.46% 2/25/24
15 Year Conventional Purchase 6.17% 2/25/24
15 Year Conventional Refi 6.07% 2/25/24
15 Year Cash-out Refi 6.07% 2/25/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Cnb Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Cnb Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,609

Origination Dollar Volume (All Markets)

$732,635,000
Show all (8) awards

Relative Rate

Cnb Bank's average 30 year fixed mortgage rate was 4.38%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.38%.

Relative Fees (Closing Costs)

Cnb Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,054.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top 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
COLUMBUS, OH (FHA|USDA|VA) 167 $127,915,000 $765,958 $2,490 4.10%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 107 $117,415,000 $1,097,336 $3,876 4.77%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 376 $104,650,000 $278,324 $3,221 4.38%
ERIE, PA (FHA|USDA|VA) 278 $58,810,000 $211,547 $2,835 4.57%
DuBois, PA (FHA|USDA|VA) 477 $51,615,000 $108,208 $1,713 4.69%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $28,255,000 $9,418,333 $3,310 3.79%
ROANOKE, VA (FHA|USDA|VA) 80 $24,730,000 $309,125 $3,705 4.58%
Meadville, PA (FHA|USDA|VA) 171 $22,105,000 $129,269 $2,203 4.53%
STATE COLLEGE, PA (FHA|USDA|VA) 77 $21,835,000 $283,571 $1,740 4.44%
Outside of Metro Areas 84 $16,280,000 $193,810 $2,790 4.67%
St. Marys, PA (FHA|USDA|VA) 129 $14,905,000 $115,543 $1,795 4.87%
Warren, PA (FHA|USDA|VA) 86 $12,490,000 $145,233 $2,015 4.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 18 $11,350,000 $630,556 $3,457 4.55%
Bradford, PA (FHA|USDA|VA) 98 $10,210,000 $104,184 $1,814 5.05%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $9,530,000 $4,765,000 $0 4.91%
PITTSBURGH, PA (FHA|USDA|VA) 33 $8,465,000 $256,515 $3,821 4.62%
Indiana, PA (FHA|USDA|VA) 61 $8,155,000 $133,689 $2,583 4.39%
ALTOONA, PA (FHA|USDA|VA) 52 $6,750,000 $129,808 $2,083 4.58%
LYNCHBURG, VA (FHA|USDA|VA) 19 $6,435,000 $338,684 $3,319 4.42%
AKRON, OH (FHA|USDA|VA) 5 $4,515,000 $903,000 $3,626 5.33%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $4,495,000 $642,143 $4,909 4.18%
Ashtabula, OH (FHA|USDA|VA) 26 $4,400,000 $169,231 $2,514 4.76%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $3,860,000 $1,930,000 $0 6.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $3,730,000 $1,865,000 $3,911 5.94%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $3,610,000 $902,500 $4,759 3.81%
Olean, NY (FHA|USDA|VA) 11 $3,455,000 $314,091 $5,897 5.03%
JOHNSTOWN, PA (FHA|USDA|VA) 39 $3,115,000 $79,872 $1,398 4.74%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 13 $2,765,000 $212,692 $2,137 3.88%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $2,595,000 $519,000 $4,661 3.83%
Marion, OH (FHA|USDA|VA) 13 $2,595,000 $199,615 $3,243 3.58%
Bucyrus-Galion, OH (FHA|USDA|VA) 32 $2,590,000 $80,938 $847 4.60%
Jackson, OH (FHA|USDA|VA) 1 $2,135,000 $2,135,000 $0 4.25%
Mount Vernon, OH (FHA|USDA|VA) 13 $1,555,000 $119,615 $1,285 4.49%
Batavia, NY (FHA|USDA|VA) 11 $1,535,000 $139,545 $6,303 3.86%
SUMTER, SC (FHA|USDA|VA) 26 $1,460,000 $56,154 $0 4.78%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,455,000 $485,000 $479 3.96%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,420,000 $355,000 $3,645 4.16%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,230,000 $307,500 $2,880 4.53%
Somerset, PA (FHA|USDA|VA) 3 $1,175,000 $391,667 $5,163 4.92%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 6.13%
Martinsville, VA (FHA|USDA|VA) 6 $950,000 $158,333 $523 4.28%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $890,000 $445,000 $5,195 3.81%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $820,000 $410,000 $6,062 3.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $790,000 $395,000 $2,466 2.81%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $755,000 $755,000 $6,631 3.38%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $740,000 $370,000 $0 4.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $720,000 $360,000 $0 5.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $605,000 $605,000 $1,862 4.38%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $605,000 $605,000 $5,450 4.13%
Corning, NY (FHA|USDA|VA) 3 $545,000 $181,667 $3,481 5.54%
Seneca Falls, NY (FHA|USDA|VA) 1 $505,000 $505,000 $4,794 4.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $505,000 $505,000 $4,056 2.88%
TOLEDO, OH (FHA|USDA|VA) 2 $430,000 $215,000 $0 5.77%
FORT COLLINS, CO (FHA|USDA|VA) 1 $425,000 $425,000 $0 4.50%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $420,000 $210,000 $5,058 4.69%
THE VILLAGES, FL (FHA|USDA|VA) 1 $365,000 $365,000 $4,677 3.75%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $345,000 $345,000 $3,418 4.25%
OCALA, FL (FHA|USDA|VA) 1 $345,000 $345,000 $4,586 4.38%
MANSFIELD, OH (FHA|USDA|VA) 6 $340,000 $56,667 $301 5.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $335,000 $335,000 $0 2.75%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $315,000 $315,000 $425 3.49%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.63%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $305,000 $305,000 $3,437 2.88%
PANAMA CITY, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 6.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.00%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $250,000 $125,000 $1,888 3.23%
LANCASTER, PA (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.50%
Pottsville, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,245 3.25%
ROCHESTER, NY (FHA|USDA|VA) 2 $220,000 $110,000 $2,974 2.81%
Lock Haven, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,088 7.25%
Bellefontaine, OH (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.13%
Oil City, PA (FHA|USDA|VA) 2 $200,000 $100,000 $1,696 4.93%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,806 4.38%
Norwalk, OH (FHA|USDA|VA) 1 $195,000 $195,000 $2,975 6.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $2,869 3.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.13%
Zanesville, OH (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.00%
Huntingdon, PA (FHA|USDA|VA) 1 $115,000 $115,000 $441 4.99%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.00%
READING, PA (FHA|USDA|VA) 1 $105,000 $105,000 $379 3.99%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $95,000 $95,000 $546 3.99%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $85,000 $85,000 $3,142 6.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.50%
Shelby, NC (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.00%
Cnb Bank's top markets include Columbus, Cleveland, Buffalo, Erie, and Dubois among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,670 $584,970,000 $350,281 $2,322 4.70%
    HELOC 939 $147,665,000 $157,258 n/a 4.34%

    For 2022, Cnb Bank's most frequently originated type of loan was Conventional, with 1,670 originations. Their 2nd most popular type was HELOC, with 939 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 957 $463,175,000 $483,986 $3,729 4.90%
    Refi 703 $163,685,000 $232,838 $1,021 4.32%
    Home Improvement 622 $60,290,000 $96,929 $472 4.51%
    Other 303 $39,135,000 $129,158 $839 4.34%
    Cash Out Refi 24 $6,350,000 $264,583 $5,692 3.22%

    For 2022, Cnb Bank's most frequently cited loan purpose was Home Purchase, with 957 originations. The 2nd most popular reason was Refi, with 703 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,280 $249,300,000 $194,766 $4,054 4.38%
    15 Year 417 $50,125,000 $120,204 $1,126 4.69%
    10 Year 347 $102,055,000 $294,107 $486 4.64%
    20 Year 216 $26,460,000 $122,500 $1,431 5.00%
    Other 153 $125,545,000 $820,556 $3,070 5.29%
    30+ year 82 $38,350,000 $467,683 $5,495 4.02%
    5 Year 81 $44,885,000 $554,136 $441 4.18%
    1 Year 25 $3,475,000 $139,000 $0 5.62%
    3 Year 8 $92,440,000 $11,555,000 $390 5.02%

    For 2022, Cnb Bank's most frequently cited loan duration was 30 Year, with 1,280 originations. The 2nd most popular length was 15 Year, with 417 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,238 $211,970,000 $171,220
    $1k-2k 41 $5,845,000 $142,561
    $2k-3k 37 $7,585,000 $205,000
    $3k-4k 15 $3,845,000 $256,333
    $5k+ 10 $4,020,000 $402,000
    $4k-5k 6 $1,840,000 $306,667

    Cnb Bank's average total fees were $4,054, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,238 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 782 $166,030,000 $212,315
    4-5% 687 $199,125,000 $289,847
    5-6% 495 $181,425,000 $366,515
    2.5-3% 289 $77,495,000 $268,149
    6-7% 232 $81,890,000 $352,974
    7-8% 72 $18,780,000 $260,833
    Over 8% 28 $1,960,000 $70,000
    <2.5% 24 $5,930,000 $247,083

    During 2022, Cnb Bank's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 3-4%, with 782 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,143 $62,135,000 $54,361 $997 4.76%
    $100k-200k 740 $103,480,000 $139,838 $2,351 4.56%
    $200k-400k 464 $122,570,000 $264,159 $3,830 4.31%
    $400k-600k 132 $62,690,000 $474,924 $5,348 3.92%
    $600k-1MM 71 $52,185,000 $735,000 $5,710 4.17%
    $1MM+ 59 $329,575,000 $5,586,017 $7,418 4.92%

    2022 saw Cnb Bank place emphasis on $100,000 or less loans with 1,143 originations, totaling $62,135,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 514 $76,280,000 $148,405 $2,179 4.47%
    $50k-75k 431 $44,335,000 $102,865 $1,866 4.62%
    $50k or less 355 $28,655,000 $80,718 $1,711 4.84%
    $150k-250k 351 $73,495,000 $209,387 $3,403 4.23%
    $75k-100k 344 $43,750,000 $127,180 $1,999 4.56%
    $250k+ 272 $112,790,000 $414,669 $4,443 3.96%

    Cnb Bank lent most frequently to those with incomes in the $100k-150k range, with 514 originations. The second most popular income band? $50k-75k, with 431 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 662 $110,240,000 $166,526 $2,258 4.32%
    30-36% 411 $67,545,000 $164,343 $2,371 4.50%
    <20% 375 $62,985,000 $167,960 $1,980 4.16%
    42% 93 $16,565,000 $178,118 $2,588 4.40%
    44% 93 $14,815,000 $159,301 $2,482 4.62%
    40% 84 $13,240,000 $157,619 $2,133 4.61%
    36% 77 $12,595,000 $163,571 $2,302 4.81%
    37% 70 $12,190,000 $174,143 $2,493 4.52%
    43% 66 $12,370,000 $187,424 $2,549 4.50%
    38% 64 $12,480,000 $195,000 $2,372 4.63%
    41% 64 $11,180,000 $174,688 $2,592 4.74%
    39% 63 $10,485,000 $166,429 $2,833 4.65%
    45% 17 $3,855,000 $226,765 $3,935 4.87%
    46% 15 $2,985,000 $199,000 $3,913 4.08%
    47% 10 $2,340,000 $234,000 $3,540 4.00%
    50-60% 8 $1,950,000 $243,750 $2,163 4.08%
    49% 5 $1,335,000 $267,000 $4,378 4.58%
    48% 4 $1,030,000 $257,500 $5,125 4.16%
    >60% 1 $195,000 $195,000 $3,392 4.13%

    Cnb Bank lent most frequently to those with DTI ratios of 20-30%, with 662 originations. The next most common DTI ratio? 30-36%, with 411 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,189 $352,555,000 $161,058 $2,271 4.48%
    Not applicable 232 $338,280,000 $1,458,103 $0 5.54%
    Not provided 115 $23,525,000 $204,565 $2,565 4.21%
    Asian 35 $11,315,000 $323,286 $4,219 4.00%
    Black 28 $3,930,000 $140,357 $2,703 5.18%
    Asian Indian 3 $1,575,000 $525,000 $6,728 3.92%
    Other Asian 2 $540,000 $270,000 $4,167 4.56%
    Native Hawaiian or Islander 2 $460,000 $230,000 $5,054 3.88%
    American Indian 2 $410,000 $205,000 $3,601 5.31%
    Filipino 1 $45,000 $45,000 $0 5.50%

    Approval Rates

    Total approvals of all applications
    90.91%

    Cnb Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.87%

    Cnb Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    100.0 5 $245,000 $49,000
    NA 2,604 $732,390,000 $281,256

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,609 $732,635,000 $280,811

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 511 $69,075,000 $135,176 $658 4.39%
    40-60% 376 $140,720,000 $374,255 $1,751 4.51%
    60-80% 653 $325,655,000 $498,706 $2,838 4.83%
    80-100% 700 $173,850,000 $248,357 $3,319 4.58%
    Over 100% 1 $3,905,000 $3,905,000 $0 5.25%
    Under 20% 367 $19,315,000 $52,629 $428 4.37%