CNB Bank, Inc. mortgage approval rate & lending review
CNB Bank, Inc. decided 495 mortgage applications and funded 457 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CNB Bank, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CNB Bank, Inc. at a glance
Approval is 9.5 points above the 84.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 331 / 344 | 98% | $305K | 326 |
| Home improvement loans | 86% | 32 / 37 | 100% | $35K | 32 |
| Refinance | 82% | 36 / 44 | 100% | $195K | 36 |
| Investment property purchase | 95% | 55 / 58 | 98% | $235K | 54 |
CNB Bank, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| West Virginia | 91% | $285K | 220 | 198 |
| Maryland | 95% | $305K | 191 | 181 |
| Pennsylvania | 96% | $335K | 78 | 72 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where CNB Bank, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berkeley County, WV | Mortgage lenders | 94% | 139 | 128 |
| Washington County, MD | Mortgage lenders | 98% | 124 | 121 |
| Franklin County, PA | Mortgage lenders | 98% | 58 | 54 |
| Berkeley County, WV | Investment property purchase | 91% | 35 | 31 |
| Berkeley County, WV | Home improvement loans | 91% | 23 | 21 |
| Washington County, MD | Refinance | 87% | 23 | 20 |
The county markets where CNB Bank, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about CNB Bank, Inc.
What is CNB Bank, Inc.'s mortgage approval rate?
CNB Bank, Inc. approved 93.7% of the 495 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.5 points above the 84.3% national rate for the same mix of loan types.
How often do borrowers take the loan CNB Bank, Inc. offers?
Borrowers accepted 98% of the loans CNB Bank, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CNB Bank, Inc. make?
The typical home purchase mortgage loan CNB Bank, Inc. made was $305K; across all loan types its typical loan ran from $35K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CNB Bank, Inc. lend?
CNB Bank, Inc. decided applications in 7 of the states Fat Boy Data covers, most of them in West Virginia, Maryland and Pennsylvania.
Can I apply to CNB Bank, Inc. directly?
Yes. CNB Bank, Inc. is a bank or credit union with 93 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show CNB Bank, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how CNB Bank, Inc. treats applications, then get a rate quote from the lender.