Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2013
In 2013, Cnb Bank & Trust, N.A. of Carlinville, IL reported 364 mortgage applications totaling $62.3 million, up 56% from 2012. The average application was for $171,222, and applicants reported an average income of $99,118. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (170), Chicago-Joliet-Naperville, IL (35) and Springfield, IL (7) (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 | 364 |
| Total Mortgage Loan Application Amount | $62,325,000 |
| Average Mortgage Loan Application Amount | $171,222 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $99,118 |
| Highest Applicant Income | $1,883,000 |
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(HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 145 | $30,469,000 | $210,000 | $3,600,000 | $116,000 | $1,883,000 |
| Home Purchase | 122 | $28,225,000 | $231,000 | $3,313,000 | $103,000 | $1,737,000 |
| Home Improvement | 97 | $3,631,000 | $37,000 | $660,000 | $69,000 | $512,000 |
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 | 303 | $36,996,000 | $122,000 | $3,600,000 | $111,000 | $1,883,000 |
| Not applicable | 44 | $20,922,000 | $475,000 | $3,313,000 | $0 | $0 |
| Hispanic | 8 | $1,167,000 | $145,000 | $278,000 | $108,000 | $166,000 |
| Black or African American | 5 | $696,000 | $139,000 | $341,000 | $316,000 | $1,164,000 |
| Asian | 3 | $2,537,000 | $845,000 | $1,900,000 | $25,000 | $77,000 |
| Not Provided | 1 | $7,000 | $7,000 | $7,000 | $50,000 | $50,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 354 | $60,280,000 | $170,000 | $3,600,000 | $100,000 | $1,883,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $2,045,000 | $204,000 | $960,000 | $68,000 | $369,000 |
| 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 | 311 | $47,468,000 | $152,000 | $3,600,000 | $107,000 | $1,883,000 |
| Application Denied By Financial Institution | 25 | $3,575,000 | $143,000 | $800,000 | $28,000 | $105,000 |
| Application Withdrawn By Applicant | 16 | $7,187,000 | $449,000 | $3,313,000 | $43,000 | $100,000 |
| Application Approved But Not Accepted | 12 | $4,095,000 | $341,000 | $1,284,000 | $118,000 | $343,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $694,000 | $69,000 | $250,000 | $13,000 | $105,000 |
| Debt-To-Income Ratio | 10 | $2,135,000 | $213,000 | $800,000 | $48,000 | $100,000 |
| Collateral | 3 | $611,000 | $203,000 | $533,000 | $7,000 | $23,000 |
| Other | 1 | $100,000 | $100,000 | $100,000 | $57,000 | $57,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank & Trust, N.A.'s 2013 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About