CNB Bank And Trust in Missouri vs the state
12.2%Denial rate-2.87 pts vs state
12.8%Decision denial rate-5.88 pts vs state
82.9%Origination rate+20.27 pts vs state
6.65%Median rate+0.03 pts vs state
-0.06Rate spread (pts)-0.41 pts vs state
$110kMedian applicant income
34Loans originated
5Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 37 | 2.4% | 7.00% | #347 |
| 2024 | 29 | 26 | 10.3% | 7.08% | #398 |
| 2025 | 41 | 34 | 12.2% | 6.65% | #365 |
What CNB Bank And Trust lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most CNB Bank And Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 18 | 16 | 2 | 11.1% |
| St. Louis city | 12 | 11 | 0 | 0.0% |
| St. Charles County | 6 | 4 | 1 | 16.7% |
| Camden County | 4 | 2 | 2 | 50.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 41 applications in 2025, of which 34 were originated and 5 denied.
12.2% of all applications, or 12.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans CNB Bank And Trust originated in Missouri in 2025 was 6.65%, against a statewide median of 6.63%.
About this data. Figures are CNB Bank And Trust's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology