Gaining in its two main markets
In Hagerstown-Martinsburg, MD-WV it held 2.6% of a $2.09B market, up from 2.3%; Rocket Mortgage led with $144.1M. In Chambersburg, PA it ranked 18 of 228 lenders, and its share rose from 1.3% to 1.6%.
Applications / Mortgage Analytics / Lenders / West Virginia / CNB Bank
CNB Bank
Berkeley Springs, WV · State non-member bank · FDIC · $786 million assets · 231 loans in 2025
CNB Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
231
loans originated, 2025
286
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CNB Bank, based in Berkeley Springs, WV, is seventh among 356 lenders in Hagerstown-Martinsburg, MD-WV, and its share there rose in 2025.
A purchase lender with bigger loans
Purchases were 84.8% of its 231 loans. Its typical loan was $285,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at nearly nine in ten of them. It turned down 4.1% of purchase applications, against 4.9% at its peers, near the middle of the group.
Poorer neighborhoods, fewer poorer borrowers
Borrowers with low and moderate incomes took 21.8% of its loans, against 28.0% at similar lenders; a book of larger purchase loans may lean toward buyers with higher incomes. Poorer neighborhoods (low- and moderate-income tracts) took 22.1%, against 17.5%. Majority-minority neighborhoods took 0.4%, against 6.4%, which may reflect the make-up of the markets it serves.
Steady after a long fall
It made 600 loans in 2020. In 2025 its count rose 2%, to 231, while similar lenders grew 9% and the whole market 10%. Its dollar volume rose faster, from $69.4 million to $82.5 million.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
231 loans in 2025, against a peak of 600 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CNB Bank took 286 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
84.8% of its 2025 loans were purchase loans; 97.0% were conventional loans.
Purchase 84.8% · Refinance 10.4% · Home improvement 3.9% · Other 0.9%
Conventional 97.0% · USDA (RHS or FSA) 1.7% · VA 0.9% · FHA 0.4% · of 231 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
7 states, 16 metros, 27 counties
| State | Loans | Share |
|---|---|---|
| West Virginia | 125 | 54.1% |
| Maryland | 68 | 29.4% |
| Pennsylvania | 29 | 12.6% |
| Virginia | 4 | 1.7% |
| North Carolina | 3 | 1.3% |
| Florida | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Hagerstown-Martinsburg | 173 |
| Chambersburg | 21 |
| Arlington-Alexandria-Reston | 8 |
| Winchester | 5 |
| Gettysburg | 3 |
| Morgantown | 3 |
| Baltimore-Columbia-Towson | 2 |
| Frederick-Gaithersburg-Bethesda | 2 |
| Cape Coral-Fort Myers | 1 |
| Greenville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900EDYO1UYWLWP146 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 944627 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114198 | 1999–2005 |
| Respondent ID (the HMDA filer code before 2018) | 314507 | 2006–2017 |
Established 1 January 1917. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: CNB Bank's data.
The data and the software behind these pages
CNB Bank's data
$215
CNB Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy CNB Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]