Cnb Bank & Trust, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, Cnb Bank & Trust, N.A. of Carlinville, IL reported 521 mortgage applications totaling $157.7 million, down 18% from 2022. The average application was for $302,639, and applicants reported an average income of $110,531. 70% of its applications resulted in an originated loan and 17% were denied. Its largest markets were St. Louis, MO-IL (238), Chicago-Naperville, IL (93) and Springfield, IL (10) (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 | 521 |
| Total Mortgage Loan Application Amount | $157,675,000 |
| Average Mortgage Loan Application Amount | $302,639 |
| Highest Mortgage Loan Application Amount | $13,205,000 |
| Average Applicant Income | $110,531 |
| Highest Applicant Income | $2,412,000 |
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(HMDA) records Cnb Bank & Trust, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 346 | $113,220,000 | $327,000 | $8,005,000 | $119,000 | $2,412,000 |
| Refinancing | 66 | $22,980,000 | $348,000 | $2,185,000 | $96,000 | $459,000 |
| Home Improvement | 55 | $17,625,000 | $320,000 | $13,205,000 | $103,000 | $565,000 |
| Other Purpose | 34 | $1,930,000 | $56,000 | $255,000 | $78,000 | $348,000 |
| Cash-out Refinancing | 20 | $1,920,000 | $96,000 | $225,000 | $88,000 | $218,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 363 | $44,165,000 | $121,000 | $805,000 | $104,000 | $710,000 |
| Not applicable | 126 | $106,330,000 | $843,000 | $13,205,000 | $0 | $0 |
| Not Provided | 15 | $4,125,000 | $275,000 | $655,000 | $119,000 | $232,000 |
| Black or African American | 7 | $735,000 | $105,000 | $205,000 | $72,000 | $124,000 |
| Hispanic | 5 | $845,000 | $169,000 | $385,000 | $79,000 | $140,000 |
| Asian | 3 | $1,185,000 | $395,000 | $685,000 | $882,000 | $2,412,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $52,000 | $52,000 |
| 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) | 501 | $155,925,000 | $311,000 | $13,205,000 | $112,000 | $2,412,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,525,000 | $80,000 | $145,000 | $56,000 | $119,000 |
| FHA-insured (Federal Housing Administration) | 1 | $225,000 | $225,000 | $225,000 | $114,000 | $114,000 |
| VA-guaranteed (Veterans 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 | 367 | $137,685,000 | $375,000 | $13,205,000 | $121,000 | $710,000 |
| Application Denied By Financial Institution | 91 | $10,395,000 | $114,000 | $645,000 | $68,000 | $274,000 |
| Application Withdrawn By Applicant | 53 | $8,545,000 | $161,000 | $755,000 | $129,000 | $2,412,000 |
| File Closed For Incompleteness | 7 | $505,000 | $72,000 | $185,000 | $54,000 | $94,000 |
| Application Approved But Not Accepted | 3 | $545,000 | $181,000 | $455,000 | $310,000 | $310,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 430 | $147,280,000 | $342,000 | $13,205,000 | $121,000 | $2,412,000 |
| Debt-To-Income Ratio | 33 | $3,675,000 | $111,000 | $645,000 | $50,000 | $232,000 |
| Credit History | 29 | $3,075,000 | $106,000 | $355,000 | $77,000 | $237,000 |
| Other | 13 | $2,155,000 | $165,000 | $625,000 | $102,000 | $274,000 |
| Collateral | 13 | $1,255,000 | $96,000 | $275,000 | $69,000 | $140,000 |
| Employment History | 3 | $235,000 | $78,000 | $125,000 | $57,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cnb Bank & Trust, N.A.'s 2023 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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