Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Cnb Bank & Trust, N.A. of Carlinville, IL reported 543 mortgage applications totaling $146.4 million, up 6% from 2024. The average application was for $269,530, and applicants reported an average income of $125,202. 70% of its applications resulted in an originated loan and 16% were denied. Its largest markets were St. Louis, MO-IL (221), Chicago-Naperville, IL (91) and Springfield, IL (8) (applications in parentheses).
| Mortgage Company & Address | Cnb Bank & Trust, N.A. 450 W Side Sq Carlinville, IL 62626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 543 |
| Total Mortgage Loan Application Amount | $146,355,000 |
| Average Mortgage Loan Application Amount | $269,530 |
| Highest Mortgage Loan Application Amount | $8,815,000 |
| Average Applicant Income | $125,202 |
| Highest Applicant Income | $3,720,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Cnb Bank & Trust, N.A. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 375 | $115,375,000 | $307,000 | $8,815,000 | $121,000 | $1,067,000 |
| Refinancing | 72 | $22,660,000 | $314,000 | $7,305,000 | $127,000 | $802,000 |
| Home Improvement | 40 | $3,030,000 | $75,000 | $465,000 | $98,000 | $272,000 |
| Other Purpose | 34 | $2,550,000 | $75,000 | $255,000 | $108,000 | $360,000 |
| Cash-out Refinancing | 22 | $2,740,000 | $124,000 | $555,000 | $267,000 | $3,720,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 396 | $61,330,000 | $154,000 | $2,565,000 | $128,000 | $3,720,000 |
| Not applicable | 99 | $76,595,000 | $773,000 | $8,815,000 | $0 | $0 |
| Not Provided | 22 | $4,080,000 | $185,000 | $765,000 | $123,000 | $460,000 |
| Black or African American | 10 | $1,350,000 | $135,000 | $445,000 | $78,000 | $118,000 |
| Hispanic | 7 | $795,000 | $113,000 | $215,000 | $81,000 | $154,000 |
| Asian | 6 | $2,020,000 | $336,000 | $555,000 | $147,000 | $225,000 |
| American Indian or Alaskan Native | 3 | $185,000 | $61,000 | $85,000 | $78,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 526 | $145,120,000 | $275,000 | $8,815,000 | $128,000 | $3,720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,235,000 | $72,000 | $145,000 | $58,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 381 | $124,665,000 | $327,000 | $8,815,000 | $131,000 | $1,067,000 |
| Application Denied By Financial Institution | 89 | $9,735,000 | $109,000 | $765,000 | $120,000 | $3,720,000 |
| Application Withdrawn By Applicant | 53 | $8,775,000 | $165,000 | $665,000 | $109,000 | $473,000 |
| File Closed For Incompleteness | 12 | $1,720,000 | $143,000 | $365,000 | $115,000 | $215,000 |
| Application Approved But Not Accepted | 7 | $1,315,000 | $187,000 | $255,000 | $47,000 | $47,000 |
| Loan Purchased By The Institution | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 454 | $136,620,000 | $300,000 | $8,815,000 | $127,000 | $1,067,000 |
| Debt-To-Income Ratio | 35 | $4,725,000 | $135,000 | $765,000 | $63,000 | $280,000 |
| Credit History | 29 | $2,105,000 | $72,000 | $255,000 | $76,000 | $164,000 |
| Other | 13 | $2,105,000 | $161,000 | $275,000 | $120,000 | $299,000 |
| Collateral | 7 | $445,000 | $63,000 | $115,000 | $588,000 | $3,720,000 |
| Unverifiable Information | 3 | $295,000 | $98,000 | $115,000 | $96,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $29,000 | $29,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank & Trust, N.A.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cnb Bank & Trust, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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