Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2015
In 2015, Cnb Bank & Trust, N.A. of Carlinville, IL reported 714 mortgage applications totaling $106.3 million, up 13% from 2014. The average application was for $148,848, and applicants reported an average income of $79,826. 77% of its applications resulted in an originated loan and 14% were denied. Its largest markets were St. Louis, MO-IL (298), Chicago-Naperville-Arlington Heights, IL (91) and Springfield, IL (17) (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 | 714 |
| Total Mortgage Loan Application Amount | $106,278,000 |
| Average Mortgage Loan Application Amount | $148,848 |
| Highest Mortgage Loan Application Amount | $2,672,000 |
| Average Applicant Income | $79,826 |
| Highest Applicant Income | $2,172,000 |
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(HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 317 | $52,607,000 | $165,000 | $1,770,000 | $88,000 | $2,172,000 |
| Refinancing | 258 | $46,021,000 | $178,000 | $2,672,000 | $74,000 | $809,000 |
| Home Improvement | 139 | $7,650,000 | $55,000 | $306,000 | $72,000 | $518,000 |
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 | 621 | $75,760,000 | $121,000 | $1,796,000 | $86,000 | $2,172,000 |
| Not applicable | 69 | $22,093,000 | $320,000 | $1,780,000 | $0 | $0 |
| Asian | 12 | $6,069,000 | $505,000 | $2,672,000 | $159,000 | $809,000 |
| Hispanic | 6 | $976,000 | $162,000 | $500,000 | $95,000 | $318,000 |
| Not Provided | 3 | $679,000 | $226,000 | $274,000 | $320,000 | $843,000 |
| Black or African American | 2 | $353,000 | $176,000 | $330,000 | $11,000 | $22,000 |
| American Indian or Alaskan Native | 1 | $348,000 | $348,000 | $348,000 | $133,000 | $133,000 |
| 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) | 660 | $101,654,000 | $154,000 | $2,672,000 | $84,000 | $2,172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $4,123,000 | $85,000 | $141,000 | $33,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 5 | $436,000 | $87,000 | $126,000 | $19,000 | $55,000 |
| FHA-insured (Federal Housing Administration) | 1 | $65,000 | $65,000 | $65,000 | $54,000 | $54,000 |
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 | 553 | $83,718,000 | $151,000 | $2,672,000 | $90,000 | $2,172,000 |
| Application Denied By Financial Institution | 99 | $12,605,000 | $127,000 | $850,000 | $15,000 | $122,000 |
| Application Approved But Not Accepted | 50 | $8,742,000 | $174,000 | $806,000 | $96,000 | $459,000 |
| Application Withdrawn By Applicant | 10 | $1,044,000 | $104,000 | $318,000 | $88,000 | $254,000 |
| Loan Purchased By The Institution | 2 | $169,000 | $84,000 | $156,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 46 | $4,442,000 | $96,000 | $320,000 | $6,000 | $90,000 |
| Debt-To-Income Ratio | 31 | $4,653,000 | $150,000 | $409,000 | $39,000 | $122,000 |
| Collateral | 12 | $1,378,000 | $114,000 | $330,000 | $0 | $0 |
| Other | 4 | $1,715,000 | $428,000 | $850,000 | $0 | $0 |
| Unverifiable Information | 3 | $267,000 | $89,000 | $112,000 | $0 | $0 |
| Employment History | 2 | $109,000 | $54,000 | $55,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $41,000 | $41,000 | $41,000 | $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 2015 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