Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2017
In 2017, Cnb Bank & Trust, N.A. of Carlinville, IL reported 542 mortgage applications totaling $93.5 million, down 20% from 2016. The average application was for $172,595, and applicants reported an average income of $81,156. 75% of its applications resulted in an originated loan and 13% were denied. Its largest markets were St. Louis, MO-IL (237), Chicago-Naperville-Arlington Heights, IL (73) and Springfield, IL (11) (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 | 542 |
| Total Mortgage Loan Application Amount | $93,547,000 |
| Average Mortgage Loan Application Amount | $172,595 |
| Highest Mortgage Loan Application Amount | $12,500,000 |
| Average Applicant Income | $81,156 |
| Highest Applicant Income | $4,999,000 |
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(HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 281 | $54,769,000 | $194,000 | $12,500,000 | $84,000 | $4,999,000 |
| Refinancing | 143 | $28,330,000 | $198,000 | $1,609,000 | $79,000 | $917,000 |
| Home Improvement | 118 | $10,448,000 | $88,000 | $3,080,000 | $77,000 | $827,000 |
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 | 463 | $57,580,000 | $124,000 | $3,080,000 | $92,000 | $4,999,000 |
| Not applicable | 61 | $31,293,000 | $513,000 | $12,500,000 | $0 | $0 |
| Black or African American | 7 | $923,000 | $131,000 | $480,000 | $88,000 | $310,000 |
| Asian | 6 | $2,974,000 | $495,000 | $1,609,000 | $88,000 | $436,000 |
| Not Provided | 4 | $435,000 | $108,000 | $303,000 | $60,000 | $240,000 |
| Hispanic | 1 | $342,000 | $342,000 | $342,000 | $317,000 | $317,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 498 | $90,132,000 | $180,000 | $12,500,000 | $86,000 | $4,999,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $3,415,000 | $77,000 | $280,000 | $33,000 | $94,000 |
| 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 | 409 | $71,077,000 | $173,000 | $12,500,000 | $93,000 | $4,999,000 |
| Application Denied By Financial Institution | 73 | $11,027,000 | $151,000 | $1,609,000 | $18,000 | $138,000 |
| Application Approved But Not Accepted | 54 | $10,295,000 | $190,000 | $2,000,000 | $72,000 | $310,000 |
| Application Withdrawn By Applicant | 4 | $1,002,000 | $250,000 | $420,000 | $248,000 | $695,000 |
| Loan Purchased By The Institution | 2 | $146,000 | $73,000 | $88,000 | $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 | 30 | $3,961,000 | $132,000 | $1,609,000 | $3,000 | $43,000 |
| Debt-To-Income Ratio | 26 | $3,991,000 | $153,000 | $550,000 | $47,000 | $138,000 |
| Collateral | 8 | $615,000 | $76,000 | $140,000 | $0 | $0 |
| Other | 4 | $2,045,000 | $511,000 | $1,275,000 | $0 | $0 |
| Unverifiable Information | 2 | $169,000 | $84,000 | $97,000 | $0 | $0 |
| Credit Application Incomplete | 2 | $86,000 | $43,000 | $56,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $160,000 | $160,000 | $160,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank & Trust, N.A.'s 2017 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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