Community National Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Community National Bank & Trust of Chanute, KS reported 1,235 mortgage applications totaling $73.0 million. The average application was for $59,070, and applicants reported an average income of $44,920. 76% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Wichita, KS (110), Joplin, MO (12) and Springfield, MO (2) (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 | 1,235 |
| Total Mortgage Loan Application Amount | $72,952,000 |
| Average Mortgage Loan Application Amount | $59,070 |
| Highest Mortgage Loan Application Amount | $1,845,000 |
| Average Applicant Income | $44,920 |
| Highest Applicant Income | $896,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Crawford, Kansas | 252 | $ 22,296,000 | $ 88,476 | $ 41,000 |
| Montgomery, Kansas | 187 | $ 6,719,000 | $ 35,930 | $ 32,000 |
| Labette, Kansas | 172 | $ 7,686,000 | $ 44,686 | $ 36,000 |
| Neosho, Kansas | 141 | $ 7,594,000 | $ 53,858 | $ 38,000 |
| Allen, Kansas | 108 | $ 5,239,000 | $ 48,509 | $ 43,000 |
| Butler, Kansas | 97 | $ 6,472,000 | $ 66,721 | $ 51,000 |
| Wilson, Kansas | 83 | $ 3,837,000 | $ 46,228 | $ 40,000 |
| Greenwood, Kansas | 55 | $ 1,925,000 | $ 35,000 | $ 49,000 |
| Cherokee, Kansas | 15 | $ 895,000 | $ 59,666 | $ 42,000 |
| Chautauqua, Kansas | 14 | $ 586,000 | $ 41,857 | $ 38,000 |
| Nowata, Oklahoma | 14 | $ 677,000 | $ 48,357 | $ 48,000 |
| Sedgwick, Kansas | 13 | $ 894,000 | $ 68,769 | $ 72,000 |
| Woodson, Kansas | 11 | $ 561,000 | $ 51,000 | $ 31,000 |
| Jasper, Missouri | 11 | $ 2,345,000 | $ 213,181 | $ 52,000 |
| Bourbon, Kansas | 6 | $ 237,000 | $ 39,500 | $ 45,000 |
| Delaware, Oklahoma | 6 | $ 540,000 | $ 90,000 | $ 59,000 |
| Washington, Oklahoma | 6 | $ 177,000 | $ 29,500 | $ 36,000 |
| Elk, Kansas | 5 | $ 218,000 | $ 43,600 | $ 45,000 |
| Marion, Kansas | 4 | $ 127,000 | $ 31,750 | $ 45,000 |
| Johnson, Kansas | 3 | $ 253,000 | $ 84,333 | $ 96,000 |
| Lyon, Kansas | 3 | $ 201,000 | $ 67,000 | $ 91,000 |
| Craig, Oklahoma | 3 | $ 186,000 | $ 62,000 | $ 47,000 |
| Anderson, Kansas | 2 | $ 60,000 | $ 30,000 | $ 13,000 |
| Christian, Missouri | 2 | $ 653,000 | $ 326,500 | $ 181,000 |
| Newton, Missouri | 2 | $ 312,000 | $ 156,000 | $ 244,000 |
| Polk, Missouri | 2 | $ 181,000 | $ 90,500 | $ 171,000 |
| Williamson, Illinois | 1 | $ 33,000 | $ 33,000 | $ 24,000 |
| Chase, Kansas | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Coffey, Kansas | 1 | $ 52,000 | $ 52,000 | $ 52,000 |
| Dickinson, Kansas | 1 | $ 81,000 | $ 81,000 | $ 73,000 |
| Franklin, Kansas | 1 | $ 33,000 | $ 33,000 | $ 85,000 |
| Miami, Kansas | 1 | $ 174,000 | $ 174,000 | $ 112,000 |
| Reno, Kansas | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Riley, Kansas | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Shawnee, Kansas | 1 | $ 76,000 | $ 76,000 | $ 45,000 |
| Todd, Minnesota | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Camden, Missouri | 1 | $ 475,000 | $ 475,000 | $ 331,000 |
| Vernon, Missouri | 1 | $ 297,000 | $ 297,000 | $ 44,000 |
| Putnam, Tennessee | 1 | $ 220,000 | $ 220,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2003
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 (one-to-four family) | 528 | $28,108,000 | $82,833 | $1,426,000 | $48,666 | $274,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 503 | $38,743,000 | $116,500 | $1,845,000 | $76,250 | $863,000 |
| Home Improvement (one-to-four family) | 204 | $6,101,000 | $23,500 | $251,000 | $37,500 | $896,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,140 | $63,404,000 | $98,142 | $1,845,000 | $56,714 | $896,000 |
| Not applicable | 33 | $7,144,000 | $136,500 | $1,426,000 | $0 | $0 |
| American Indian or Alaskan Native | 23 | $708,000 | $35,500 | $67,000 | $51,500 | $202,000 |
| Hispanic | 16 | $633,000 | $46,500 | $75,000 | $65,500 | $114,000 |
| Black | 9 | $468,000 | $52,000 | $118,000 | $47,000 | $72,000 |
| Other | 6 | $322,000 | $53,000 | $115,000 | $76,000 | $153,000 |
| Information not provided by applicant in mail or telephone application | 5 | $179,000 | $35,000 | $75,000 | $62,000 | $115,000 |
| Asian or Pacific Islander | 3 | $94,000 | $31,000 | $63,000 | $30,000 | $50,000 |
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) | 1,233 | $72,898,000 | $95,428 | $1,845,000 | $55,571 | $896,000 |
| FHA-insured (Federal Housing Administration) | 1 | $30,000 | $30,000 | $30,000 | $90,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 1 | $24,000 | $24,000 | $24,000 | $41,000 | $41,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 934 | $59,250,000 | $120,200 | $1,845,000 | $76,400 | $896,000 |
| Application Denied By Financial Institution | 242 | $10,592,000 | $43,000 | $185,000 | $25,500 | $92,000 |
| Application Withdrawn By Applicant | 45 | $1,998,000 | $44,000 | $105,000 | $44,000 | $133,000 |
| File Closed For Incompleteness | 9 | $577,000 | $66,500 | $107,000 | $29,500 | $59,000 |
| Application Approved But Not Accepted | 5 | $535,000 | $107,000 | $156,000 | $59,000 | $75,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 150 | $5,644,000 | $39,000 | $185,000 | $25,500 | $92,000 |
| Debt-To-Income Ratio | 39 | $2,192,000 | $56,000 | $169,000 | $35,000 | $70,000 |
| Collateral | 14 | $605,000 | $43,000 | $107,000 | $29,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $922,000 | $92,500 | $138,000 | $38,500 | $84,000 |
| Other | 14 | $838,000 | $39,500 | $173,000 | $42,500 | $87,000 |
| Employment History | 9 | $301,000 | $42,500 | $66,000 | $29,500 | $36,000 |
| Unverifiable Information | 2 | $90,000 | $45,000 | $75,000 | $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 2003 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
with aggregated HMDA statistics today.
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