Cnb Bank And Trust N.a. Mortgage Rates, Fees & Info

Carlinville, IL

LEI: 5493000BIR9N6Y5KFV24

Tax ID: 37-0205706

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Cnb Bank And Trust N.a. is a smaller bank specializing in Home Purchase loans. Cnb Bank And Trust N.a. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Chicago, Jacksonville, Taylorville, and Springfield among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cnb Bank And Trust N.a. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cnb Bank And Trust N.a. is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.82% 4/28/24
    30 Year Conventional Refi 6.81% 4/28/24
    30 Year Cash-out Refi 6.74% 4/28/24
    30 Year FHA Purchase 6.27% 4/28/24
    30 Year USDA Purchase 6.92% 4/28/24
    15 Year Conventional Purchase 6.23% 4/28/24
    15 Year Conventional Refi 6.35% 4/28/24
    15 Year Cash-out Refi 6.35% 4/28/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Cnb Bank And Trust N.a. Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Cnb Bank And Trust N.a.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    442

    Origination Dollar Volume (All Markets)

    $89,260,000

    Awards

    CNB Bank And Trust N.A. 30 Year Conventional Loans bronze CNB Bank And Trust N.A. 30 Year Conventional Loans gold CNB Bank And Trust N.A. 30 Year Conventional Loans bronze CNB Bank And Trust N.A. USDA Loans gold
    Show all (4) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 210 $41,590,000 $198,048 $2,387 4.92%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 40 $24,500,000 $612,500 $6,061 4.97%
    Outside of Metro Areas 65 $7,775,000 $119,615 $2,202 5.01%
    Jacksonville, IL (FHA|USDA|VA) 62 $5,300,000 $85,484 $1,762 5.01%
    Taylorville, IL (FHA|USDA|VA) 34 $3,700,000 $108,824 $2,204 4.95%
    SPRINGFIELD, IL (FHA|USDA|VA) 10 $1,720,000 $172,000 $2,263 4.93%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,290,000 $645,000 $9,216 5.00%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $525,000 $525,000 $4,790 4.40%
    BLOOMINGTON, IL (FHA|USDA|VA) 2 $500,000 $250,000 $2,341 4.40%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $335,000 $335,000 $5,276 5.50%
    GREELEY, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,478 4.40%
    Lincoln, IL (FHA|USDA|VA) 2 $250,000 $125,000 $2,849 3.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $250,000 $125,000 $1,726 5.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.00%
    Centralia, IL (FHA|USDA|VA) 1 $175,000 $175,000 $3,156 6.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $165,000 $165,000 $4,058 5.75%
    Cookeville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $4,023 3.75%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,894 4.88%
    Holland, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,610 3.25%
    PEORIA, IL (FHA|USDA|VA) 2 $120,000 $60,000 $1,204 5.60%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $110,000 $55,000 $1,966 4.53%
    Cnb Bank And Trust N.a.'s top markets include St. Louis, Chicago, Jacksonville, Taylorville, and Springfield among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against CNB Bank And Trust N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Alliance Community Bank
    Similarity Rank: 45
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 59
    First Savings Bank of Hegewisch
    Similarity Rank: 64
    HEARTLAND
    Similarity Rank: 108
    Liberty Bank for Savings
    Similarity Rank: 116
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 126
    FINANCIAL PLUS
    Similarity Rank: 198
    First National Bank of Waterloo
    Similarity Rank: 216
    Gateway Metro Federal Credit Union
    Similarity Rank: 240
    MORTGAGE SOLUTIONS LLC
    Similarity Rank: 368

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 430 $88,080,000 $204,837 $2,544 4.92%
    USDA 12 $1,180,000 $98,333 $2,813 5.86%

    For 2022, Cnb Bank And Trust N.a.'s most frequently originated type of loan was Conventional, with 430 originations. Their 2nd most popular type was USDA, with 12 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 289 $64,015,000 $221,505 $2,975 5.08%
    Refi 59 $16,375,000 $277,542 $1,988 4.62%
    Home Improvement 36 $2,620,000 $72,778 $997 5.05%
    Cash Out Refi 33 $4,735,000 $143,485 $3,245 4.20%
    Other 25 $1,515,000 $60,600 $1,226 5.08%

    For 2022, Cnb Bank And Trust N.a.'s most frequently cited loan purpose was Home Purchase, with 289 originations. The 2nd most popular reason was Refi, with 59 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 195 $33,435,000 $171,462 $3,119 5.12%
    15 Year 91 $8,735,000 $95,989 $1,654 4.71%
    20 Year 73 $23,845,000 $326,644 $2,297 4.88%
    Other 48 $21,290,000 $443,542 $1,574 4.83%
    10 Year 20 $760,000 $38,000 $808 4.87%
    1 Year 10 $1,110,000 $111,000 $0 4.95%
    5 Year 5 $85,000 $17,000 $699 5.00%

    For 2022, Cnb Bank And Trust N.a.'s most frequently cited loan duration was 30 Year, with 195 originations. The 2nd most popular length was 15 Year, with 91 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 202 $19,570,000 $96,881
    $1k-2k 63 $11,255,000 $178,651
    $2k-3k 20 $3,520,000 $176,000
    $3k-4k 9 $1,975,000 $219,444
    $4k-5k 9 $3,905,000 $433,889
    $5k+ 7 $2,855,000 $407,857

    Cnb Bank And Trust N.a.'s average total fees were $3,119, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 202 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 140 $24,120,000 $172,286
    5-6% 136 $28,390,000 $208,750
    3-4% 89 $24,645,000 $276,910
    6-7% 55 $9,325,000 $169,545
    7-8% 10 $710,000 $71,000
    2.5-3% 9 $1,665,000 $185,000
    <2.5% 3 $405,000 $135,000

    During 2022, Cnb Bank And Trust N.a.'s average interest rate for loans was 5.12%, while their most frequently originated rate bucket for loans was 4-5%, with 140 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 207 $12,005,000 $57,995 $1,685 5.08%
    $100k-200k 122 $17,250,000 $141,393 $2,611 4.92%
    $200k-400k 77 $20,915,000 $271,623 $3,964 4.60%
    $400k-600k 17 $8,415,000 $495,000 $7,081 4.94%
    $1MM+ 11 $25,005,000 $2,273,182 $9,875 4.93%
    $600k-1MM 8 $5,670,000 $708,750 $9,597 5.40%

    2022 saw Cnb Bank And Trust N.a. place emphasis on $100,000 or less loans with 207 originations, totaling $12,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 84 $6,310,000 $75,119 $1,897 5.01%
    $50k-75k 78 $7,470,000 $95,769 $2,227 5.05%
    $100k-150k 76 $12,990,000 $170,921 $2,761 4.68%
    $75k-100k 75 $9,945,000 $132,600 $2,555 4.98%
    $150k-250k 22 $4,200,000 $190,909 $3,911 4.93%
    $250k+ 15 $5,265,000 $351,000 $5,661 5.13%

    Cnb Bank And Trust N.a. lent most frequently to those with incomes in the $50k or less range, with 84 originations. The second most popular income band? $50k-75k, with 78 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 92 $10,080,000 $109,565 $2,382 4.71%
    30-36% 72 $10,540,000 $146,389 $2,603 5.18%
    <20% 21 $2,105,000 $100,238 $1,969 4.90%
    38% 14 $1,730,000 $123,571 $2,375 5.08%
    43% 13 $2,385,000 $183,462 $3,787 4.47%
    41% 13 $1,375,000 $105,769 $1,917 4.88%
    50-60% 10 $2,390,000 $239,000 $3,467 4.94%
    36% 10 $960,000 $96,000 $1,560 5.01%
    42% 9 $1,485,000 $165,000 $2,990 4.86%
    37% 9 $1,955,000 $217,222 $2,956 4.77%
    44% 9 $1,285,000 $142,778 $2,420 4.83%
    >60% 8 $1,000,000 $125,000 $1,730 5.31%
    45% 8 $1,280,000 $160,000 $4,161 4.92%
    40% 8 $740,000 $92,500 $2,316 5.77%
    47% 6 $930,000 $155,000 $2,462 4.40%
    39% 5 $895,000 $179,000 $3,195 5.48%
    48% 4 $1,100,000 $275,000 $3,960 5.35%
    46% 4 $550,000 $137,500 $2,617 5.21%
    49% 3 $705,000 $235,000 $2,281 4.36%

    Cnb Bank And Trust N.a. lent most frequently to those with DTI ratios of 20-30%, with 92 originations. The next most common DTI ratio? 30-36%, with 72 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 336 $44,620,000 $132,798 $2,529 4.94%
    Not applicable 81 $40,725,000 $502,778 $0 4.94%
    Not provided 13 $1,995,000 $153,462 $2,834 5.13%
    Asian 6 $1,170,000 $195,000 $2,801 5.71%
    Black 4 $440,000 $110,000 $2,138 4.13%
    Asian Indian 1 $295,000 $295,000 $8,668 4.00%
    Filipino 1 $15,000 $15,000 $1,111 4.60%

    Approval Rates

    Total approvals of all applications
    80.25%

    Cnb Bank And Trust N.a. has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.97%

    Cnb Bank And Trust N.a. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    90.0 1 $65,000 $65,000
    NA 441 $89,195,000 $202,256

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    442 $89,260,000 $201,946

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 43 $4,365,000 $101,512 $1,370 4.88%
    40-60% 58 $8,210,000 $141,552 $2,052 4.83%
    60-80% 155 $45,635,000 $294,419 $2,885 4.77%
    80-100% 153 $28,235,000 $184,542 $3,106 5.17%
    Under 20% 33 $2,815,000 $85,303 $593 5.05%