Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2019
In 2019, Cnb Bank & Trust, N.A. of Carlinville, IL reported 615 mortgage applications totaling $99.3 million, up 51% from 2018. The average application was for $161,471, and applicants reported an average income of $96,452. 76% of its applications resulted in an originated loan and 15% were denied. Its largest markets were St. Louis, MO-IL (186), Chicago-Naperville, IL (56) and Springfield, IL (22) (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 | 615 |
| Total Mortgage Loan Application Amount | $99,305,000 |
| Average Mortgage Loan Application Amount | $161,471 |
| Highest Mortgage Loan Application Amount | $11,005,000 |
| Average Applicant Income | $96,452 |
| Highest Applicant Income | $1,037,000 |
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(HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 343 | $63,605,000 | $185,000 | $11,005,000 | $100,000 | $1,037,000 |
| Refinancing | 123 | $20,095,000 | $163,000 | $2,305,000 | $100,000 | $695,000 |
| Cash-out Refinancing | 94 | $12,140,000 | $129,000 | $485,000 | $86,000 | $247,000 |
| Other Purpose | 28 | $2,080,000 | $74,000 | $485,000 | $85,000 | $403,000 |
| Home Improvement | 26 | $1,360,000 | $52,000 | $225,000 | $83,000 | $167,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 543 | $70,425,000 | $129,000 | $2,305,000 | $96,000 | $1,037,000 |
| Not applicable | 37 | $23,485,000 | $634,000 | $11,005,000 | $0 | $0 |
| Not Provided | 21 | $2,445,000 | $116,000 | $365,000 | $88,000 | $268,000 |
| Hispanic | 7 | $1,855,000 | $265,000 | $875,000 | $116,000 | $240,000 |
| Asian | 3 | $505,000 | $168,000 | $275,000 | $129,000 | $232,000 |
| Black or African American | 3 | $235,000 | $78,000 | $125,000 | $26,000 | $68,000 |
| 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) | 577 | $96,165,000 | $166,000 | $11,005,000 | $99,000 | $1,037,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $3,140,000 | $82,000 | $235,000 | $47,000 | $88,000 |
| 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 | 466 | $78,600,000 | $168,000 | $11,005,000 | $101,000 | $1,037,000 |
| Application Denied By Financial Institution | 91 | $10,365,000 | $113,000 | $805,000 | $60,000 | $240,000 |
| Application Withdrawn By Applicant | 54 | $10,160,000 | $188,000 | $925,000 | $117,000 | $695,000 |
| Application Approved But Not Accepted | 3 | $155,000 | $51,000 | $85,000 | $112,000 | $170,000 |
| Loan Purchased By The Institution | 1 | $25,000 | $25,000 | $25,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 524 | $88,940,000 | $169,000 | $11,005,000 | $103,000 | $1,037,000 |
| Debt-To-Income Ratio | 38 | $4,270,000 | $112,000 | $385,000 | $54,000 | $232,000 |
| Credit History | 24 | $1,640,000 | $68,000 | $155,000 | $57,000 | $240,000 |
| Collateral | 19 | $2,565,000 | $135,000 | $485,000 | $78,000 | $201,000 |
| Other | 6 | $1,560,000 | $260,000 | $805,000 | $67,000 | $96,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $150,000 | $150,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $8,000 | $8,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank & Trust, N.A.'s 2019 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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