# CNB Bank

> **Canonical URL:** https://saferate.com/lenders/cnb-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CNB Bank is a bank, headquartered in Clearfield, PA, serving borrowers across 10 states, with 409 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300NBFK4GO76FTE84
- **Headquarters:** Clearfield, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** FL, IL, MD, MI, NC, NY, OH, PA, SC, VA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.087%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $622
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 409
- **Dollar Volume:** $107 million
- **Applications Received:** 531
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $261,406
- **Average Borrower Income:** $168,389
- **Average Property Value:** $347,868

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 392 | -0.073% | $616 | Strong 😀 |
| Jumbo | 45/100 | 17 | -0.708% | $881 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 321 loans, Score: 58/100 (Sound)
- Refinance: 71 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 338 | $98M | -0.221% | Sound ☺️ |
| Refinance | 48/100 | 71 | $9M | +0.501% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 280 | 0.23% | 78/100 |
| VA | 48 | 0.04% | 57/100 |
| NY | 40 | 0.04% | 54/100 |
| OH | 30 | 0.02% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 230 | 68/100 |
| Roanoke, VA | VA | 37 | 66/100 |
| Buffalo | NY | 32 | 56/100 |
| Erie, PA | PA | 25 | 57/100 |
| State College, PA | PA | 15 | 54/100 |
| Johnstown, PA | PA | 13 | 50/100 |
| Cleveland, OH | OH | 10 | 42/100 |
| Lynchburg, VA | VA | 10 | 43/100 |

## Where This Lender Ranks

CNB Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Roanoke, VA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Roanoke, VA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Erie, PA Banks
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/banks)
- 🏆 **#7** in Roanoke, VA Banks
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks)
- 🏆 **#7** in State College, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Roanoke, VA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Johnstown, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Erie, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Lynchburg, VA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Buffalo Banks
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks)
- 🏆 **#12** in Buffalo for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/buffalo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Erie, PA
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders)
- 🏆 **#13** in Johnstown, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/johnstown-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in State College, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/state-college-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Roanoke, VA
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders)
- 🏆 **#17** in Roanoke, VA for Conventional Loans
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Erie, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CNB Bank offer?

CNB Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CNB Bank offer mortgages?

CNB Bank offers mortgages in 10 states: FL, IL, MD, MI, NC, NY, OH, PA, SC, VA.

### How competitive are CNB Bank's mortgage rates?

CNB Bank has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.087% below market average.

### What type of lender is CNB Bank?

CNB Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Clearfield, PA.

### What is CNB Bank's loan approval success rate?

CNB Bank has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cnb-bank

### How to Cite

> "CNB Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cnb-bank

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