Applications / Mortgage Analytics / Lenders / Illinois / CNB Bank and Trust
Carlinville, IL · National bank · OCC · $1.8 billion assets · 381 loans in 2025
CNB Bank and Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
381
loans originated, 2025
542
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CNB Bank and Trust lends more to poorer borrowers and neighborhoods than most similar banks, and at a lower typical rate.
Purchases were 70.6% of its 381 loans in 2025. Its typical loan, $155,000, was smaller than at about three in four similar lenders (national banks making between half and twice as many loans), whose typical loan was $205,000. Its typical rate, 6.50%, was lower than at almost nine in ten of them.
Borrowers with low or moderate incomes (LMI) took 34.7% of its loans, against 26.0% at similar lenders. LMI neighborhoods took 21.8%, against 15.4%, higher than at about four in five. In 2020 that neighborhood share was 8.2%.
It ranks 92 of 637 lenders in St. Louis, IL-MO, with 0.2%. In Springfield, IL it ranks 63 of 217, and its share slipped from 0.2% to 0.1%; INB leads there. A move of a tenth of a point may reflect timing rather than a trend.
Its loans rose 2% to 381, against 5% for similar lenders and 10% for the whole market. It has made between 367 and 381 loans a year for three years, far below the 1,141 it made in 2020.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CNB Bank and Trust took 542 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.6% · Refinance 15.0% · Home improvement 8.7% · Other 5.8%
Conventional 99.7% · USDA (RHS or FSA) 0.3% · of 381 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 342 | 89.8% |
| Missouri | 34 | 8.9% |
| Florida | 1 | 0.3% |
| Kentucky | 1 | 0.3% |
| Nevada | 1 | 0.3% |
| Virginia | 1 | 0.3% |
| Wisconsin | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 150 |
| Chicago-Naperville-Schaumburg | 78 |
| Springfield | 4 |
| Elgin | 2 |
| Lake County | 2 |
| Cape Coral-Fort Myers | 1 |
| Decatur | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Lexington-Fayette | 1 |
| Peoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000BIR9N6Y5KFV24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613343 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114347 | 1997–2017 |
Established 1 January 1888. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: CNB Bank and Trust's data.
CNB Bank and Trust's data
$215
CNB Bank and Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy CNB Bank and Trust's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]