Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2014
In 2014, Cnb Bank & Trust, N.A. of Carlinville, IL reported 632 mortgage applications totaling $90.7 million, up 74% from 2013. The average application was for $143,466, and applicants reported an average income of $78,642. 76% of its applications resulted in an originated loan and 15% were denied. Its largest markets were St. Louis, MO-IL (304), Chicago-Naperville-Arlington Heights, IL (49) and Springfield, IL (20) (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 | 632 |
| Total Mortgage Loan Application Amount | $90,671,000 |
| Average Mortgage Loan Application Amount | $143,466 |
| Highest Mortgage Loan Application Amount | $6,829,000 |
| Average Applicant Income | $78,642 |
| Highest Applicant Income | $2,029,000 |
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(HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 264 | $37,489,000 | $142,000 | $1,862,000 | $85,000 | $2,029,000 |
| Refinancing | 247 | $49,281,000 | $199,000 | $6,829,000 | $80,000 | $2,000,000 |
| Home Improvement | 121 | $3,901,000 | $32,000 | $289,000 | $62,000 | $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 | 553 | $61,802,000 | $111,000 | $6,829,000 | $86,000 | $2,029,000 |
| Not applicable | 46 | $21,780,000 | $473,000 | $5,250,000 | $0 | $26,000 |
| Asian | 22 | $5,229,000 | $237,000 | $960,000 | $87,000 | $225,000 |
| Hispanic | 4 | $939,000 | $234,000 | $280,000 | $74,000 | $130,000 |
| Black or African American | 3 | $145,000 | $48,000 | $68,000 | $13,000 | $25,000 |
| Not Provided | 3 | $630,000 | $210,000 | $316,000 | $45,000 | $126,000 |
| American Indian or Alaskan Native | 1 | $146,000 | $146,000 | $146,000 | $165,000 | $165,000 |
| 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) | 585 | $85,316,000 | $145,000 | $6,829,000 | $83,000 | $2,029,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $4,669,000 | $113,000 | $1,355,000 | $30,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 4 | $463,000 | $115,000 | $160,000 | $49,000 | $103,000 |
| FHA-insured (Federal Housing Administration) | 2 | $223,000 | $111,000 | $152,000 | $37,000 | $41,000 |
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 | 479 | $71,626,000 | $149,000 | $6,829,000 | $87,000 | $2,000,000 |
| Application Denied By Financial Institution | 96 | $11,557,000 | $120,000 | $1,992,000 | $20,000 | $186,000 |
| Application Approved But Not Accepted | 42 | $5,570,000 | $132,000 | $316,000 | $128,000 | $2,029,000 |
| Application Withdrawn By Applicant | 15 | $1,918,000 | $127,000 | $336,000 | $60,000 | $162,000 |
| 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 | 49 | $5,486,000 | $111,000 | $1,992,000 | $12,000 | $107,000 |
| Debt-To-Income Ratio | 25 | $3,496,000 | $139,000 | $550,000 | $38,000 | $85,000 |
| Collateral | 16 | $1,470,000 | $91,000 | $282,000 | $20,000 | $186,000 |
| Other | 3 | $659,000 | $219,000 | $268,000 | $13,000 | $41,000 |
| Unverifiable Information | 1 | $130,000 | $130,000 | $130,000 | $33,000 | $33,000 |
| Employment History | 1 | $37,000 | $37,000 | $37,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $279,000 | $279,000 | $279,000 | $0 | $0 |
| Mortgage Insurance Denied | 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 2014 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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