Community National Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Community National Bank & Trust of Chanute, KS reported 1,523 mortgage applications totaling $243.1 million, up 5% from 2024. The average application was for $159,615, and applicants reported an average income of $121,299. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Wichita, KS (327), Kansas City, MO-KS (43) and Joplin, MO (29) (applications in parentheses).
| Mortgage Company & Address | Community National Bank & Trust 14 N Lincoln Chanute, KS 66720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,523 |
| Total Mortgage Loan Application Amount | $243,095,000 |
| Average Mortgage Loan Application Amount | $159,615 |
| Highest Mortgage Loan Application Amount | $8,255,000 |
| Average Applicant Income | $121,299 |
| Highest Applicant Income | $3,675,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Butler, Kansas | 186 | $ 33,010,000 | $ 177,473 | $ 183,000 |
| Benton, Missouri | 165 | $ 22,445,000 | $ 136,030 | $ 83,000 |
| Cowley, Kansas | 137 | $ 16,055,000 | $ 117,189 | $ 105,000 |
| Montgomery, Kansas | 125 | $ 15,875,000 | $ 127,000 | $ 90,000 |
| Sedgwick, Kansas | 108 | $ 29,550,000 | $ 273,611 | $ 134,000 |
| Crawford, Kansas | 100 | $ 12,860,000 | $ 128,600 | $ 116,000 |
| Allen, Kansas | 67 | $ 6,785,000 | $ 101,268 | $ 94,000 |
| Neosho, Kansas | 67 | $ 7,985,000 | $ 119,179 | $ 104,000 |
| Wilson, Kansas | 51 | $ 5,065,000 | $ 99,313 | $ 91,000 |
| Johnson, Missouri | 46 | $ 12,310,000 | $ 267,608 | $ 132,000 |
| Kay, Oklahoma | 39 | $ 3,255,000 | $ 83,461 | $ 123,000 |
| Lyon, Kansas | 37 | $ 5,925,000 | $ 160,135 | $ 118,000 |
| Labette, Kansas | 32 | $ 4,440,000 | $ 138,750 | $ 98,000 |
| Vernon, Missouri | 32 | $ 3,450,000 | $ 107,812 | $ 119,000 |
| Greenwood, Kansas | 21 | $ 805,000 | $ 38,333 | $ 78,000 |
| Harvey, Kansas | 21 | $ 2,705,000 | $ 128,809 | $ 109,000 |
| Jackson, Missouri | 19 | $ 4,675,000 | $ 246,052 | $ 174,000 |
| Henry, Missouri | 17 | $ 3,205,000 | $ 188,529 | $ 79,000 |
| Jasper, Missouri | 17 | $ 10,985,000 | $ 646,176 | $ 142,000 |
| Barton, Missouri | 15 | $ 865,000 | $ 57,666 | $ 82,000 |
| Cedar, Missouri | 15 | $ 2,015,000 | $ 134,333 | $ 66,000 |
| Sumner, Kansas | 12 | $ 1,580,000 | $ 131,666 | $ 107,000 |
| Pettis, Missouri | 12 | $ 1,190,000 | $ 99,166 | $ 85,000 |
| Osage, Oklahoma | 11 | $ 1,395,000 | $ 126,818 | $ 107,000 |
| Cherokee, Kansas | 9 | $ 1,305,000 | $ 145,000 | $ 124,000 |
| Reno, Kansas | 9 | $ 1,055,000 | $ 117,222 | $ 95,000 |
| Hickory, Missouri | 9 | $ 915,000 | $ 101,666 | $ 71,000 |
| Delaware, Oklahoma | 9 | $ 2,085,000 | $ 231,666 | $ 190,000 |
| Camden, Missouri | 8 | $ 1,480,000 | $ 185,000 | $ 143,000 |
| Bourbon, Kansas | 7 | $ 645,000 | $ 92,142 | $ 80,000 |
| Marion, Kansas | 7 | $ 965,000 | $ 137,857 | $ 114,000 |
| McPherson, Kansas | 7 | $ 1,175,000 | $ 167,857 | $ 131,000 |
| Johnson, Kansas | 5 | $ 3,885,000 | $ 777,000 | $ 152,000 |
| Woodson, Kansas | 5 | $ 435,000 | $ 87,000 | $ 88,000 |
| Chautauqua, Kansas | 4 | $ 180,000 | $ 45,000 | $ 56,000 |
| Elk, Kansas | 4 | $ 300,000 | $ 75,000 | $ 76,000 |
| Lafayette, Missouri | 4 | $ 570,000 | $ 142,500 | $ 89,000 |
| Ottawa, Oklahoma | 4 | $ 2,130,000 | $ 532,500 | $ 1,668,000 |
| Tulsa, Oklahoma | 4 | $ 410,000 | $ 102,500 | $ 114,000 |
| Anderson, Kansas | 3 | $ 575,000 | $ 191,666 | $ 200,000 |
| Wyandotte, Kansas | 3 | $ 585,000 | $ 195,000 | $ 103,000 |
| Bates, Missouri | 3 | $ 645,000 | $ 215,000 | $ 88,000 |
| Dallas, Missouri | 3 | $ 865,000 | $ 288,333 | $ 83,000 |
| Laclede, Missouri | 3 | $ 495,000 | $ 165,000 | $ 74,000 |
| Newton, Missouri | 3 | $ 395,000 | $ 131,666 | $ 93,000 |
| Baldwin, Alabama | 2 | $ 1,750,000 | $ 875,000 | $ 0 |
| McHenry, Illinois | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Geary, Kansas | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Leavenworth, Kansas | 2 | $ 510,000 | $ 255,000 | $ 137,000 |
| Riley, Kansas | 2 | $ 340,000 | $ 170,000 | $ 99,000 |
| Shawnee, Kansas | 2 | $ 60,000 | $ 30,000 | $ 48,000 |
| Cass, Missouri | 2 | $ 700,000 | $ 350,000 | $ 104,000 |
| Clay, Missouri | 2 | $ 310,000 | $ 155,000 | $ 125,000 |
| Nowata, Oklahoma | 2 | $ 150,000 | $ 75,000 | $ 95,000 |
| San Diego, California | 1 | $ 505,000 | $ 505,000 | $ 116,000 |
| El Paso, Colorado | 1 | $ 155,000 | $ 155,000 | $ 366,000 |
| Routt, Colorado | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Barton, Kansas | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Coffey, Kansas | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Douglas, Kansas | 1 | $ 25,000 | $ 25,000 | $ 169,000 |
| Ellis, Kansas | 1 | $ 345,000 | $ 345,000 | $ 142,000 |
| Franklin, Kansas | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| Kingman, Kansas | 1 | $ 515,000 | $ 515,000 | $ 190,000 |
| Linn, Kansas | 1 | $ 115,000 | $ 115,000 | $ 65,000 |
| Morris, Kansas | 1 | $ 85,000 | $ 85,000 | $ 3,000 |
| Osage, Kansas | 1 | $ 145,000 | $ 145,000 | $ 189,000 |
| Ottawa, Kansas | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Russell, Kansas | 1 | $ 145,000 | $ 145,000 | $ 165,000 |
| Saline, Kansas | 1 | $ 385,000 | $ 385,000 | $ 245,000 |
| Stafford, Kansas | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Clinton, Missouri | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Cole, Missouri | 1 | $ 125,000 | $ 125,000 | $ 160,000 |
| Dade, Missouri | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Daviess, Missouri | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Linn, Missouri | 1 | $ 115,000 | $ 115,000 | $ 131,000 |
| Morgan, Missouri | 1 | $ 75,000 | $ 75,000 | $ 131,000 |
| Phelps, Missouri | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Platte, Missouri | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Pulaski, Missouri | 1 | $ 175,000 | $ 175,000 | $ 98,000 |
| St. Charles, Missouri | 1 | $ 285,000 | $ 285,000 | $ 192,000 |
| Clark, Nevada | 1 | $ 605,000 | $ 605,000 | $ 180,000 |
| San Miguel, New Mexico | 1 | $ 345,000 | $ 345,000 | $ 250,000 |
| Canadian, Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| Cleveland, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Craig, Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 480,000 |
| Logan, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 3,675,000 |
| McIntosh, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Payne, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Washington, Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
| Madison, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Tipton, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 674 | $150,720,000 | $223,000 | $8,255,000 | $136,000 | $3,675,000 |
| Refinancing | 370 | $58,320,000 | $157,000 | $2,185,000 | $111,000 | $3,200,000 |
| Home Improvement | 228 | $12,450,000 | $54,000 | $405,000 | $112,000 | $614,000 |
| Cash-out Refinancing | 126 | $13,500,000 | $107,000 | $735,000 | $94,000 | $536,000 |
| Other Purpose | 125 | $8,105,000 | $64,000 | $465,000 | $117,000 | $1,213,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,094 | $147,520,000 | $134,000 | $1,805,000 | $121,000 | $3,675,000 |
| Not applicable | 273 | $68,345,000 | $250,000 | $8,155,000 | $0 | $0 |
| Not Provided | 64 | $17,000,000 | $265,000 | $8,255,000 | $162,000 | $3,200,000 |
| Hispanic | 54 | $5,790,000 | $107,000 | $355,000 | $84,000 | $360,000 |
| American Indian or Alaskan Native | 14 | $1,470,000 | $105,000 | $275,000 | $85,000 | $172,000 |
| Black or African American | 14 | $1,550,000 | $110,000 | $805,000 | $96,000 | $204,000 |
| Asian | 9 | $1,245,000 | $138,000 | $255,000 | $145,000 | $692,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $90,000 | $90,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,407 | $223,455,000 | $158,000 | $8,255,000 | $125,000 | $3,675,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $6,275,000 | $128,000 | $275,000 | $59,000 | $113,000 |
| FHA-insured (Federal Housing Administration) | 45 | $7,625,000 | $169,000 | $355,000 | $93,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 22 | $5,740,000 | $260,000 | $585,000 | $128,000 | $301,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,284 | $201,840,000 | $157,000 | $8,155,000 | $124,000 | $3,675,000 |
| Application Withdrawn By Applicant | 134 | $28,930,000 | $215,000 | $8,255,000 | $128,000 | $3,506,000 |
| Application Denied By Financial Institution | 77 | $8,885,000 | $115,000 | $905,000 | $80,000 | $284,000 |
| Application Approved But Not Accepted | 26 | $3,020,000 | $116,000 | $425,000 | $103,000 | $230,000 |
| Preapproval Denied by Financial Institution | 2 | $420,000 | $210,000 | $285,000 | $89,000 | $136,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,444 | $233,790,000 | $161,000 | $8,255,000 | $124,000 | $3,675,000 |
| Debt-To-Income Ratio | 32 | $5,340,000 | $166,000 | $905,000 | $74,000 | $284,000 |
| Credit History | 28 | $2,090,000 | $74,000 | $255,000 | $83,000 | $208,000 |
| Collateral | 11 | $865,000 | $78,000 | $235,000 | $102,000 | $243,000 |
| Other | 3 | $525,000 | $175,000 | $285,000 | $49,000 | $73,000 |
| Unverifiable Information | 3 | $385,000 | $128,000 | $215,000 | $55,000 | $75,000 |
| Employment History | 2 | $100,000 | $50,000 | $95,000 | $104,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Community National Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kansas, download the full spreadsheet
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