Cnb Bank Mortgage Rates, Fees & Info
Clearfield, PALEI: 549300NBFK4GO76FTE84
Tax ID: 25-0422340
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.66% | 11/23/24 |
| 30 Year Conventional Purchase | 6.45% | 11/23/24 |
| 30 Year Conventional Refi | 6.34% | 11/23/24 |
| 30 Year Cash-out Refi | 6.46% | 11/23/24 |
| 15 Year Conventional Purchase | 6.17% | 11/23/24 |
| 15 Year Conventional Refi | 6.07% | 11/23/24 |
| 15 Year Cash-out Refi | 6.07% | 11/23/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,609Origination Dollar Volume (All Markets)
$732,635,000Awards
CNB Bank - 2022
CNB Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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% |
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 | 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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications90.91%
Cnb Bank has an average approval rate.
Pick Rate
Approvals leading to origination91.87%
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 |