CNB Bank mortgage approval rate & lending review
CNB Bank decided 2,049 mortgage applications and funded 1,732 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CNB Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CNB Bank at a glance
Approval is 11.0 points above the 75.2% 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 | 89% | 528 / 595 | 98% | $215K | 517 |
| Home improvement loans | 83% | 601 / 727 | 98% | $105K | 591 |
| Refinance | 87% | 440 / 505 | 98% | $175K | 432 |
| Investment property purchase | 91% | 127 / 140 | 98% | $115K | 124 |
| Investment refinance | 88% | 35 / 40 | 97% | $215K | 34 |
| Investment home improvement | 81% | 26 / 32 | 96% | $65K | 25 |
CNB Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 89% | $145K | 872 | 769 |
| New York | 82% | $175K | 781 | 624 |
| Ohio | 87% | $225K | 315 | 267 |
| Florida | 87% | $425K | 31 | 26 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, NY | Home improvement loans | 80% | 314 | 247 |
| Erie County, NY | Refinance | 83% | 173 | 141 |
| Erie County, PA | Mortgage lenders | 88% | 136 | 118 |
| Erie County, NY | Mortgage lenders | 84% | 120 | 97 |
| Erie County, PA | Home improvement loans | 85% | 112 | 93 |
| Erie County, PA | Refinance | 92% | 89 | 80 |
| Centre County, PA | Mortgage lenders | 90% | 73 | 65 |
| Centre County, PA | Home improvement loans | 90% | 49 | 42 |
| Niagara County, NY | Home improvement loans | 71% | 56 | 40 |
| Niagara County, NY | Refinance | 85% | 39 | 32 |
| Cambria County, PA | Mortgage lenders | 94% | 34 | 31 |
| Franklin County, OH | Refinance | 90% | 29 | 26 |
The county markets where CNB Bank made the most loans. Each link opens that market with every lender ranked.
Questions about CNB Bank
What is CNB Bank's mortgage approval rate?
CNB Bank approved 86.2% of the 2,049 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.0 points above the 75.2% national rate for the same mix of loan types.
How often do borrowers take the loan CNB Bank offers?
Borrowers accepted 98% of the loans CNB Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CNB Bank make?
The typical home improvement loan loan CNB Bank made was $105K; across all loan types its typical loan ran from $65K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CNB Bank lend?
CNB Bank decided applications in 19 of the states Fat Boy Data covers, most of them in Pennsylvania, New York and Ohio.
Can I apply to CNB Bank directly?
Yes. CNB Bank 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'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 treats applications, then get a rate quote from the lender.