Applications / Mortgage Analytics / Lenders / West Virginia / CNB Bank / Competition
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
Who CNB Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — HAGERSTOWN-MARTINSBURG, MD-WV, 2025
CNB Bank ranks 7th of 356 lenders in Hagerstown-Martinsburg, MD-WV, with $54.8M lent: 2.6% of a $2.09B market.
Hagerstown-Martinsburg, MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 37% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — CHAMBERSBURG, PA, 2025
CNB Bank ranks 18th of 228 lenders in Chambersburg, PA, with $12.3M lent: 1.6% of a $789.3M market.
Chambersburg, PA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV, 2025
CNB Bank ranks 408th of 757 lenders in Washington-Arlington-Alexandria, DC-VA-MD-WV, with $5.4M lent: 0.0% of a $62.69B market.
Washington-Arlington-Alexandria, DC-VA-MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO MARYLAND, 2025
CNB Bank ranks 120th of 383 lenders in non-metro Maryland, with $2.8M lent: 0.1% of a $1.95B market.
non-metro Maryland is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — WINCHESTER, VA-WV, 2025
CNB Bank ranks 128th of 303 lenders in Winchester, VA-WV, with $1.3M lent: 0.1% of a $1.16B market.
Winchester, VA-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — GREENVILLE, NC, 2025
CNB Bank ranks 175th of 264 lenders in Greenville, NC, with $395K lent: 0.0% of a $900.4M market.
Greenville, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — LEBANON, PA, 2025
CNB Bank ranks 135th of 213 lenders in Lebanon, PA, with $385K lent: 0.1% of a $713.8M market.
Lebanon, PA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — HUNTINGTON-ASHLAND, KY-OH-WV, 2025
CNB Bank ranks 232nd of 237 lenders in Huntington-Ashland, KY-OH-WV, with $75K lent: 0.0% of a $1.12B market.
Huntington-Ashland, KY-OH-WV is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and CNB Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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]