Purchase Originations
484
Median Total Costs
$4,051
−39.4% vs national ($6,680)
↑ $255 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$810
Median Lender Credits
$100
Denial Rate
6.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 484 | 6.250% | $4,051 | $810 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 366 | 6.250% | $3,968 | #58 |
| New York | 50 | 6.375% | $4,531 | #154 |
| Virginia | 35 | 6.125% | $4,433 | — |
| Ohio | 29 | 6.250% | $4,038 | — |
| Arizona | 1 | 6.125% | $11,833 | — |
| Illinois | 1 | 6.125% | $6,266 | — |
| New Jersey | 1 | 6.250% | $7,392 | — |
| West Virginia | 1 | 6.250% | $2,610 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,211 | 6.500% | — | 23 | −$840 | |
| 2 | $3,316 | 6.125% | — | 11 | −$735 | |
| 3 | $3,502 | 6.125% | — | 11 | −$549 | |
| 4 | $3,535 | 6.500% | — | 23 | −$516 | |
| 5 | $3,591 | 6.500% | — | 29 | −$460 | |
| 6 | $3,769 | 6.125% | — | 21 | −$282 | |
| 7 | $3,823 | 6.375% | — | 32 | −$228 | |
| 8 | $3,835 | 6.188% | — | 18 | −$216 | |
| 9 | $3,851 | 6.250% | — | 99 | −$200 | |
| 10 | $4,120 | 6.125% | — | 38 | +$69 | |
| 11 | $4,523 | 6.250% | — | 17 | +$472 | |
| 12 | $4,570 | 6.062% | — | 6 | +$519 | |
| 13 | $4,623 | 6.375% | — | 7 | +$572 | |
| 14 | $4,657 | 6.000% | — | 7 | +$606 | |
| 15 | $4,731 | 6.125% | — | 12 | +$680 | |
| 16 | $4,862 | 6.250% | — | 12 | +$811 | |
| 17 | $5,211 | 6.438% | — | 6 | +$1,160 | |
| 18 | $5,471 | 6.600% | — | 8 | +$1,420 | |
| 19 | $5,922 | 6.000% | — | 7 | +$1,871 | |
| 20 | $6,302 | 6.125% | — | 15 | +$2,251 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | CNB Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $4,051 | $7,127 | −$3,076 (−43.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.