CNB Bank And Trust, N.A. mortgage approval rate & lending review
CNB Bank And Trust, N.A. decided 476 mortgage applications and funded 415 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CNB Bank And Trust, N.A. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
CNB Bank And Trust, N.A. at a glance
Approval is 5.2 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 83% | 127 / 153 | 99% | $205K | 126 |
| Investment property purchase | 97% | 208 / 215 | 97% | $315K | 201 |
| Investment refinance | 90% | 38 / 42 | 100% | $205K | 38 |
CNB Bank And Trust, N.A. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where CNB Bank And Trust, N.A. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Investment property purchase | 99% | 91 | 87 |
| Madison County, IL | Mortgage lenders | 85% | 72 | 61 |
| Madison County, IL | Investment property purchase | 88% | 26 | 22 |
| Will County, IL | Investment property purchase | 100% | 22 | 22 |
| St. Louis County, MO | Investment property purchase | 100% | 20 | 20 |
| St. Louis city, MO | Investment property purchase | 100% | 20 | 20 |
The county markets where CNB Bank And Trust, N.A. made the most loans. Each link opens that market with every lender ranked.
Questions about CNB Bank And Trust, N.A.
What is CNB Bank And Trust, N.A.'s mortgage approval rate?
CNB Bank And Trust, N.A. approved 88.9% of the 476 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.2 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan CNB Bank And Trust, N.A. offers?
Borrowers accepted 98% of the loans CNB Bank And Trust, N.A. approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CNB Bank And Trust, N.A. make?
The typical investment property mortgage loan CNB Bank And Trust, N.A. made was $315K; across all loan types its typical loan ran from $205K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CNB Bank And Trust, N.A. lend?
CNB Bank And Trust, N.A. decided applications in 16 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Indiana.
Can I apply to CNB Bank And Trust, N.A. directly?
Yes. CNB Bank And Trust, N.A. reports as a direct lender that takes applications from borrowers.
Does this page show CNB Bank And Trust, N.A.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how CNB Bank And Trust, N.A. treats applications, then get a rate quote from the lender.