Community National Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Community National Bank & Trust of Chanute, KS reported 883 mortgage applications totaling $50.9 million, down 20% from 2004. The average application was for $57,690, and applicants reported an average income of $40,500. 78% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Wichita, KS (63), Joplin, MO (11) and Dallas-Plano-Irving, TX (1) (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 | 883 |
| Total Mortgage Loan Application Amount | $50,941,000 |
| Average Mortgage Loan Application Amount | $57,690 |
| Highest Mortgage Loan Application Amount | $1,630,000 |
| Average Applicant Income | $40,500 |
| Highest Applicant Income | $873,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 233 | $ 16,563,000 | $ 71,085 | $ 37,000 |
| Montgomery, Kansas | 122 | $ 5,146,000 | $ 42,180 | $ 41,000 |
| Neosho, Kansas | 115 | $ 4,914,000 | $ 42,730 | $ 34,000 |
| Wilson, Kansas | 87 | $ 3,581,000 | $ 41,160 | $ 44,000 |
| Labette, Kansas | 85 | $ 3,471,000 | $ 40,835 | $ 42,000 |
| Allen, Kansas | 60 | $ 2,300,000 | $ 38,333 | $ 41,000 |
| Butler, Kansas | 55 | $ 4,540,000 | $ 82,545 | $ 34,000 |
| Greenwood, Kansas | 36 | $ 1,517,000 | $ 42,138 | $ 49,000 |
| Chautauqua, Kansas | 11 | $ 645,000 | $ 58,636 | $ 93,000 |
| Jasper, Missouri | 9 | $ 2,597,000 | $ 288,555 | $ 29,000 |
| Sedgwick, Kansas | 8 | $ 1,036,000 | $ 129,500 | $ 19,000 |
| Cherokee, Kansas | 7 | $ 141,000 | $ 20,142 | $ 28,000 |
| Washington, Oklahoma | 6 | $ 353,000 | $ 58,833 | $ 67,000 |
| Delaware, Oklahoma | 5 | $ 270,000 | $ 54,000 | $ 140,000 |
| Nowata, Oklahoma | 5 | $ 439,000 | $ 87,800 | $ 46,000 |
| Marion, Kansas | 4 | $ 86,000 | $ 21,500 | $ 40,000 |
| Woodson, Kansas | 4 | $ 181,000 | $ 45,250 | $ 16,000 |
| Barton, Missouri | 4 | $ 1,245,000 | $ 311,250 | $ 54,000 |
| Craig, Oklahoma | 4 | $ 175,000 | $ 43,750 | $ 24,000 |
| Bourbon, Kansas | 3 | $ 71,000 | $ 23,666 | $ 33,000 |
| Elk, Kansas | 3 | $ 282,000 | $ 94,000 | $ 46,000 |
| Linn, Kansas | 2 | $ 203,000 | $ 101,500 | $ 67,000 |
| Newton, Missouri | 2 | $ 97,000 | $ 48,500 | $ 46,000 |
| Taney, Missouri | 2 | $ 171,000 | $ 85,500 | $ 12,000 |
| Chase, Kansas | 1 | $ 43,000 | $ 43,000 | $ 27,000 |
| Cowley, Kansas | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Douglas, Kansas | 1 | $ 157,000 | $ 157,000 | $ 57,000 |
| Franklin, Kansas | 1 | $ 4,000 | $ 4,000 | $ 43,000 |
| Jefferson, Kansas | 1 | $ 90,000 | $ 90,000 | $ 55,000 |
| Lyon, Kansas | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Riley, Kansas | 1 | $ 15,000 | $ 15,000 | $ 106,000 |
| Camden, Missouri | 1 | $ 90,000 | $ 90,000 | $ 341,000 |
| Vernon, Missouri | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Logan, Oklahoma | 1 | $ 23,000 | $ 23,000 | $ 38,000 |
| Collin, Texas | 1 | $ 168,000 | $ 168,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2005
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 | 393 | $22,799,000 | $84,500 | $790,000 | $55,250 | $475,000 |
| Refinancing | 328 | $22,756,000 | $185,666 | $1,630,000 | $42,333 | $873,000 |
| Home Improvement | 162 | $5,386,000 | $27,500 | $140,000 | $36,000 | $151,000 |
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 | 813 | $44,723,000 | $119,500 | $1,630,000 | $55,000 | $873,000 |
| Not applicable | 25 | $3,754,000 | $196,000 | $629,000 | $9,500 | $95,000 |
| American Indian or Alaskan Native | 16 | $1,018,000 | $57,500 | $146,000 | $36,000 | $55,000 |
| Hispanic | 16 | $845,000 | $52,000 | $227,000 | $43,000 | $115,000 |
| Not Provided | 7 | $374,000 | $53,000 | $108,000 | $53,000 | $85,000 |
| Asian | 4 | $150,000 | $37,000 | $65,000 | $15,000 | $24,000 |
| Black or African American | 2 | $77,000 | $38,000 | $48,000 | $52,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 879 | $50,744,000 | $126,500 | $1,630,000 | $48,500 | $873,000 |
| FHA-insured (Federal Housing Administration) | 3 | $173,000 | $57,000 | $95,000 | $44,000 | $52,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $24,000 | $24,000 | $24,000 | $13,000 | $13,000 |
| VA-guaranteed (Veterans Administration) | 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 | 693 | $41,122,000 | $130,250 | $1,630,000 | $49,000 | $873,000 |
| Application Denied By Financial Institution | 154 | $7,081,000 | $62,666 | $310,000 | $34,000 | $123,000 |
| Application Approved But Not Accepted | 19 | $1,591,000 | $83,000 | $275,000 | $52,000 | $450,000 |
| Application Withdrawn By Applicant | 14 | $998,000 | $67,000 | $215,000 | $127,500 | $202,000 |
| File Closed For Incompleteness | 3 | $149,000 | $49,000 | $95,000 | $41,000 | $50,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 101 | $3,649,000 | $58,333 | $135,000 | $35,000 | $123,000 |
| Debt-To-Income Ratio | 33 | $2,289,000 | $71,500 | $310,000 | $33,000 | $110,000 |
| Collateral | 10 | $501,000 | $61,000 | $94,000 | $30,500 | $100,000 |
| Other | 4 | $281,000 | $70,000 | $139,000 | $61,000 | $85,000 |
| Employment History | 4 | $210,000 | $52,000 | $85,000 | $42,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $151,000 | $75,000 | $132,000 | $45,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2005 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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