CNB Bank in Maryland vs the state
8.5%Denial rate-10.26 pts vs state
9.3%Decision denial rate-14.80 pts vs state
82.9%Origination rate+27.22 pts vs state
—Median rate
—Rate spread (pts)
$109kMedian applicant income
68Loans originated
7Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 65 | 5.6% | 6.75% | #247 |
| 2024 | 70 | 66 | 2.9% | — | #263 |
| 2025 | 82 | 68 | 8.5% | — | #263 |
What CNB Bank lends in Maryland
By loan purpose
By loan type
Where in Maryland
Counties with the most CNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 75 | 61 | 7 | 9.3% |
| Allegany County | 2 | 2 | 0 | 0.0% |
| Frederick County | 1 | 1 | 0 | 0.0% |
| Anne Arundel County | 1 | 1 | 0 | 0.0% |
| Garrett County | 1 | 1 | 0 | 0.0% |
| Howard County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 82 applications in 2025, of which 68 were originated and 7 denied.
8.5% of all applications, or 9.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are CNB Bank's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology