CNB Bank And Trust in Illinois vs the state
16.8%Denial rate-0.32 pts vs state
19.2%Decision denial rate-2.47 pts vs state
69.2%Origination rate+10.49 pts vs state
6.50%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.33 pts vs state
$93kMedian applicant income
342Loans originated
83Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 461 | 316 | 19.1% | 6.88% | #119 |
| 2024 | 464 | 332 | 17.9% | 6.63% | #129 |
| 2025 | 494 | 342 | 16.8% | 6.50% | #128 |
What CNB Bank And Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most CNB Bank And Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morgan County | 81 | 59 | 12 | 14.8% |
| Macoupin County | 76 | 46 | 22 | 28.9% |
| Cook County | 71 | 61 | 4 | 5.6% |
| Madison County | 62 | 43 | 12 | 19.4% |
| Jersey County | 43 | 28 | 9 | 20.9% |
| Christian County | 30 | 22 | 2 | 6.7% |
| Montgomery County | 28 | 14 | 6 | 21.4% |
| Greene County | 26 | 14 | 9 | 34.6% |
| Scott County | 11 | 7 | 1 | 9.1% |
| Pike County | 11 | 8 | 2 | 18.2% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 494 applications in 2025, of which 342 were originated and 83 denied.
16.8% of all applications, or 19.2% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans CNB Bank And Trust originated in Illinois in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are CNB Bank And Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology