CNB Bank in Pennsylvania vs the state
7.4%Denial rate-10.92 pts vs state
8.0%Decision denial rate-14.17 pts vs state
83.7%Origination rate+22.74 pts vs state
6.50%Median rate-0.13 pts vs state
-0.12Rate spread (pts)-0.36 pts vs state
$99kMedian applicant income
1,227Loans originated
108Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,248 | 981 | 13.1% | 7.50% | #67 |
| 2024 | 1,235 | 985 | 12.0% | 7.25% | #71 |
| 2025 | 1,466 | 1,227 | 7.4% | 6.50% | #62 |
What CNB Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most CNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clearfield County | 425 | 363 | 29 | 6.8% |
| Erie County | 215 | 175 | 20 | 9.3% |
| Crawford County | 117 | 103 | 5 | 4.3% |
| Elk County | 108 | 95 | 5 | 4.6% |
| Warren County | 98 | 82 | 8 | 8.2% |
| McKean County | 88 | 65 | 11 | 12.5% |
| Centre County | 75 | 63 | 2 | 2.7% |
| Monroe County | 65 | 53 | 2 | 3.1% |
| Blair County | 41 | 34 | 5 | 12.2% |
| Cambria County | 34 | 30 | 3 | 8.8% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,466 applications in 2025, of which 1,227 were originated and 108 denied.
7.4% of all applications, or 8.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans CNB Bank originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are CNB Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology