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CNB Bank

Bank•Clearfield, PAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from CNB Bank — 409 loans across 531 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 8.70 basis points below market average
  • Lower than average lender fees

Explore another lender or local market

Report Card

CNB Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 8.7 bps below market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
392 loans · 0.07% below market
Strong
Top 40% of lenders
4/5
Jumbo
17 loans · 0.71% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
338 loans · 0.22% below market
Sound
Top 60% of lenders
3/5
Refinance
71 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume392
Mix95.8%
Spread
-0.073%Below
Fees
$616Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume17
Mix4.2%
Spread
-0.708%Below
Fees
$881Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume338
Mix82.6%
Spread
-0.221%Below
Fees
$693Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume71
Mix17.4%
Spread
+0.501%Above
Fees
$306Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
409
Applications
531
Volume
$106 million
Pricing & Closing
Avg Rate Spread
-0.087%
vs. market APOR
Avg Net Fees
$622
Origination − Credits
Pullthrough Rate
77.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$261,406
Avg Borrower Income
$168,389
Avg Property Value
$347,868

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

10Full-year 2024 · HMDA
10 states with loan originations
Loans originated
< 5050+None
Northeast2
NYPA
Midwest3
ILMIOH
South5
FLMDNCSCVA

Top Metro Areas by Place Specialization Score

1© Vladsinger · CC BY-SA 4.0
Roanoke, VAMetro
Volume 37Mix 9.05% of portfolio
66/100
Strong
2© User:Cards84664 · CC BY-SA 4.0
Erie, PAMetro
Volume 25Mix 6.11% of portfolio
57/100
Sound
3© Quintin Soloviev · CC BY 4.0
Buffalo, NYMetro
Volume 32Mix 7.82% of portfolio
56/100
Sound
4© Goonsnick · CC BY-SA 4.0
State College, PAMetro
Volume 15Mix 3.67% of portfolio
54/100
Sound
5© Masst1984 · CC BY-SA 4.0
Johnstown, PAMetro
Volume 13Mix 3.18% of portfolio
50/100
Sound
6© Northern-Virginia-Photographer · CC0
Lynchburg, VAMetro
Volume 10Mix 2.44% of portfolio
43/100
Sound
7© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 10Mix 2.44% of portfolio
42/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 280Mix 68.46% of portfolio
78/100
Strong
Virginia
Virginia
2
VirginiaState
Volume 48Mix 11.74% of portfolio
57/100
Sound
New York
New York
3
New YorkState
Volume 40Mix 9.78% of portfolio
54/100
Sound
Ohio
Ohio
4
OhioState
Volume 30Mix 7.33% of portfolio
50/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.