CNB Bank And Trust, N.A.
CNB Bank And Trust, N.A. received 542 applications in 2025 and made 381 mortgages, in 43 counties across 7 states. The median rate its borrowers got was 6.500% on a median loan of $155,000. Of 477 decisions, 89 were denials — 18.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000BIR9N6Y5KFV24 |
|---|---|
| Applications received | 542 |
| Mortgages made | 381 |
| Denied | 89 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 65 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.053 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 269 | 6.625% | $185,000 | 16.0% |
| Refinancing | 50 | 6.500% | $135,000 | 19.4% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 60.0% |
| Other purposes | 55 | 6.075% | $55,000 | 18.8% |
Where CNB Bank And Trust, N.A. lends most
The 43 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 61 | 7.200% | 6.0% |
| Morgan County, IL | 59 | 6.375% | 16.7% |
| Macoupin County, IL | 46 | 6.383% | 32.4% |
| Madison County, IL | 43 | 6.500% | 21.8% |
| Jersey County, IL | 28 | 6.335% | 24.3% |
| Christian County, IL | 22 | 6.128% | 8.0% |
| St. Louis County, MO | 16 | 6.590% | 11.1% |
| Greene County, IL | 14 | 6.865% | 39.1% |
| Montgomery County, IL | 14 | 6.725% | 30.0% |
| St. Louis city, MO | 11 | 6.780% | 0.0% |
| Will County, IL | 10 | 7.100% | 0.0% |
| Pike County, IL | 8 | Under 10 loans | 20.0% |
| Scott County, IL | 7 | Under 10 loans | 12.5% |
| DuPage County, IL | 6 | Under 10 loans | 0.0% |
| Sangamon County, IL | 4 | Under 10 loans | 28.6% |
| St. Charles County, MO | 4 | Under 10 loans | 20.0% |
| Cass County, IL | 3 | Under 10 loans | 0.0% |
| De Witt County, IL | 2 | Under 10 loans | 0.0% |
| Kane County, IL | 2 | Under 10 loans | 0.0% |
| Lake County, IL | 2 | Under 10 loans | 0.0% |
| Schuyler County, IL | 2 | Under 10 loans | 33.3% |
| Camden County, MO | 2 | Under 10 loans | 50.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Adams County, IL | 1 | Under 10 loans | 0.0% |
| Bond County, IL | 1 | Under 10 loans | 0.0% |
| Jackson County, IL | 1 | Under 10 loans | 0.0% |
| Logan County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Macon County, IL | 1 | Under 10 loans | 0.0% |
| Peoria County, IL | 1 | Under 10 loans | 50.0% |
| Putnam County, IL | 1 | Under 10 loans | 0.0% |
| Randolph County, IL | 1 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Franklin County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Williamsburg city, VA | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| Sarasota County, FL | 0 | Under 10 loans | 100.0% |
| Calhoun County, IL | 0 | Under 10 loans | Not published |
| Effingham County, IL | 0 | Under 10 loans | Not published |
| Fayette County, IL | 0 | Under 10 loans | Not published |
| McLean County, IL | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.