CNB Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
51st9.5% deniedProcesswithdrawn + incomplete share, weight 15%
69th7.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 304 | 270 | 7.2% | 7.5% | 6.74% | $65M |
| 2024 | 264 | 226 | 6.1% | 6.5% | — | $69M |
| 2025 | 286 | 231 | 8.7% | 9.5% | — | $83M |
What CNB Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 26 investment properties.
Who gets approved at CNB Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 14 | 44.0% |
| $50k – $100k | 76 | 55 | 14.1% |
| $100k – $150k | 67 | 57 | 3.1% |
| $150k – $250k | 68 | 60 | 1.6% |
| Over $250k | 27 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 55 | 45 | 5.9% |
| 35–44 | 43 | 38 | 7.1% |
| 45–54 | 47 | 34 | 18.6% |
| 55–64 | 63 | 52 | 7.0% |
| 65–74 | 31 | 24 | 13.3% |
Where CNB Bank lends
7 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 154 | 125 | 9.1% | — | #74 |
| Maryland | 82 | 68 | 8.5% | — | #263 |
| Pennsylvania | 38 | 29 | 10.5% | — | #515 |
| Virginia | 7 | 4 | 0.0% | — | #613 |
Frequently asked questions
CNB Bank denied 9.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of small mortgage lenders.
In 2025, 80% of its applications were for home purchases, 13% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 97% conventional, 1% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.