# CNB Bank And Trust, N.A.

> **Canonical URL:** https://saferate.com/lenders/cnb-bank-and-trust

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

CNB Bank And Trust, N.A. is a bank, headquartered in Carlinville, IL, serving borrowers across 10 states, with 179 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493000BIR9N6Y5KFV24
- **Headquarters:** Carlinville, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** DC, IL, IN, KS, MD, MO, MS, SC, WI, WY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,003
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 179
- **Dollar Volume:** $28 million
- **Applications Received:** 281
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $154,832
- **Average Borrower Income:** $104,196

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 176 | +0.062% | $1,006 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 156 loans, Score: 41/100 (Sound)
- Refinance: 20 loans, Score: 31/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 159 | $25M | +0.083% | Sound ☺️ |
| Refinance | 28/100 | 20 | $3M | -0.029% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 166 | 0.13% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 79 | 56/100 |
| St. Louis, MO | MO-IL | 78 | 70/100 |

## Frequently Asked Questions

### What loan types does CNB Bank And Trust, N.A. offer?

CNB Bank And Trust, N.A. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CNB Bank And Trust, N.A. offer mortgages?

CNB Bank And Trust, N.A. offers mortgages in 10 states: DC, IL, IN, KS, MD, MO, MS, SC, WI, WY.

### How competitive are CNB Bank And Trust, N.A.'s mortgage rates?

CNB Bank And Trust, N.A. has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% above market average.

### What type of lender is CNB Bank And Trust, N.A.?

CNB Bank And Trust, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Carlinville, IL.

### What is CNB Bank And Trust, N.A.'s loan approval success rate?

CNB Bank And Trust, N.A. has a pull-through score of 40/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/cnb-bank-and-trust

### How to Cite

> "CNB Bank And Trust, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cnb-bank-and-trust

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