CNB Bank in Ohio vs the state
9.1%Denial rate-8.57 pts vs state
10.2%Decision denial rate-11.69 pts vs state
78.6%Origination rate+18.70 pts vs state
6.25%Median rate-0.63 pts vs state
-0.51Rate spread (pts)-0.90 pts vs state
$140kMedian applicant income
224Loans originated
26Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 260 | 192 | 14.6% | 7.50% | #179 |
| 2024 | 261 | 196 | 11.5% | 8.00% | #185 |
| 2025 | 285 | 224 | 9.1% | 6.25% | #195 |
What CNB Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most CNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 58 | 41 | 10 | 17.2% |
| Lake County | 38 | 32 | 4 | 10.5% |
| Franklin County | 35 | 24 | 3 | 8.6% |
| Morrow County | 27 | 23 | 1 | 3.7% |
| Delaware County | 23 | 17 | 2 | 8.7% |
| Crawford County | 22 | 17 | 1 | 4.5% |
| Ashtabula County | 22 | 16 | 3 | 13.6% |
| Knox County | 12 | 10 | 1 | 8.3% |
| Geauga County | 11 | 11 | 0 | 0.0% |
| Marion County | 8 | 8 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 285 applications in 2025, of which 224 were originated and 26 denied.
9.1% of all applications, or 10.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans CNB Bank originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are CNB Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology