Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2018
In 2018, Cnb Bank & Trust, N.A. of Carlinville, IL reported 406 mortgage applications totaling $75.4 million, down 25% from 2017. The average application was for $185,689, and applicants reported an average income of $101,507. 74% of its applications resulted in an originated loan and 15% were denied. Its largest markets were St. Louis, MO-IL (181), Chicago-Naperville-Arlington Heights, IL (60) and Gary, IN (3) (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 | 406 |
| Total Mortgage Loan Application Amount | $75,390,000 |
| Average Mortgage Loan Application Amount | $185,689 |
| Highest Mortgage Loan Application Amount | $4,575,000 |
| Average Applicant Income | $101,507 |
| Highest Applicant Income | $827,000 |
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(HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 244 | $49,310,000 | $202,000 | $4,575,000 | $103,000 | $827,000 |
| Refinancing | 72 | $16,450,000 | $228,000 | $1,605,000 | $106,000 | $432,000 |
| Cash-out Refinancing | 61 | $7,305,000 | $119,000 | $455,000 | $86,000 | $316,000 |
| Home Improvement | 22 | $1,810,000 | $82,000 | $485,000 | $122,000 | $474,000 |
| Other Purpose | 5 | $365,000 | $73,000 | $125,000 | $63,000 | $103,000 |
| Not Applicable | 2 | $150,000 | $75,000 | $75,000 | $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 | 325 | $45,555,000 | $140,000 | $1,795,000 | $99,000 | $827,000 |
| Not applicable | 60 | $25,580,000 | $426,000 | $4,575,000 | $0 | $0 |
| Not Provided | 10 | $1,660,000 | $166,000 | $455,000 | $113,000 | $290,000 |
| Asian | 3 | $1,275,000 | $425,000 | $425,000 | $215,000 | $438,000 |
| Black or African American | 2 | $180,000 | $90,000 | $135,000 | $64,000 | $75,000 |
| Hispanic | 2 | $150,000 | $75,000 | $105,000 | $89,000 | $157,000 |
| American Indian or Alaskan Native | 2 | $500,000 | $250,000 | $265,000 | $127,000 | $127,000 |
| 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) | 387 | $73,745,000 | $190,000 | $4,575,000 | $104,000 | $827,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,645,000 | $86,000 | $145,000 | $41,000 | $65,000 |
| 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 | 301 | $51,725,000 | $171,000 | $1,795,000 | $103,000 | $474,000 |
| Application Denied By Financial Institution | 59 | $8,075,000 | $136,000 | $935,000 | $80,000 | $580,000 |
| Application Withdrawn By Applicant | 43 | $15,375,000 | $357,000 | $4,575,000 | $112,000 | $827,000 |
| Loan Purchased By The Institution | 2 | $150,000 | $75,000 | $75,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $106,000 | $106,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 347 | $67,315,000 | $193,000 | $4,575,000 | $104,000 | $827,000 |
| Credit History | 24 | $2,450,000 | $102,000 | $335,000 | $79,000 | $209,000 |
| Debt-To-Income Ratio | 19 | $2,535,000 | $133,000 | $425,000 | $47,000 | $97,000 |
| Collateral | 9 | $905,000 | $100,000 | $155,000 | $75,000 | $129,000 |
| Unverifiable Information | 4 | $1,360,000 | $340,000 | $935,000 | $240,000 | $580,000 |
| Employment History | 2 | $440,000 | $220,000 | $425,000 | $84,000 | $122,000 |
| Other | 1 | $385,000 | $385,000 | $385,000 | $132,000 | $132,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2018 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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