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C
CNB Bank
Bank|Clearfield, PA|Multi-Region
Loans Originated
409
Applications
531
Volume
$106 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.087%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$622
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 8.70 basis points below market average
- Lower than average lender fees
Report Card
CNB Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$261,406
Average Borrower Income
$168,389
Average Property Value
$347,868
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 392 | 95.8% | -0.073% | $616 |
Jumbo Loans | Sound | Sound | N/A | N/A | 17 | 4.2% | -0.708% | $881 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Sound | Exceptional | Sound | 338 | 82.6% | -0.221% | $693 |
Refinance | Sound | Sound | Acceptable | Sound | 71 | 17.4% | +0.501% | $306 |
Geographic Coverage
Metro Areas
7
States Served
10
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
FLILMDMINCNYOHPASCVA
Top Metro Areas by Place Specialization Score
1
Roanoke, VA, VAMSA
Volume: 37Mix: 9.05%
Place Specialization
Strong
2
Erie, PA, PAMSA
Volume: 25Mix: 6.11%
Place Specialization
Sound
3
Buffalo, NYMSA
Volume: 32Mix: 7.82%
Place Specialization
Sound
4
State College, PA, PAMSA
Volume: 15Mix: 3.67%
Place Specialization
Sound
5
Johnstown, PA, PAMSA
Volume: 13Mix: 3.18%
Place Specialization
Sound
6
Lynchburg, VA, VAMSA
Volume: 10Mix: 2.44%
Place Specialization
Sound
7
Cleveland, OH, OHMSA
Volume: 10Mix: 2.44%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 280Mix: 68.46%
Place Specialization
Strong
2
VAState
Volume: 48Mix: 11.74%
Place Specialization
Sound
3
NYState
Volume: 40Mix: 9.78%
Place Specialization
Sound
4
OHState
Volume: 30Mix: 7.33%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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