Community National Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Community National Bank & Trust of Chanute, KS reported 817 mortgage applications totaling $49.5 million, up 8% from 2006. The average application was for $60,585, and applicants reported an average income of $43,226. 79% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Wichita, KS (60), Joplin, MO (9) and Kansas City, MO-KS (4) (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 | 817 |
| Total Mortgage Loan Application Amount | $49,498,000 |
| Average Mortgage Loan Application Amount | $60,585 |
| Highest Mortgage Loan Application Amount | $1,614,000 |
| Average Applicant Income | $43,226 |
| Highest Applicant Income | $398,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 184 | $ 12,716,000 | $ 69,108 | $ 44,000 |
| Montgomery, Kansas | 121 | $ 4,639,000 | $ 38,338 | $ 45,000 |
| Neosho, Kansas | 92 | $ 4,644,000 | $ 50,478 | $ 44,000 |
| Labette, Kansas | 80 | $ 3,859,000 | $ 48,237 | $ 52,000 |
| Wilson, Kansas | 68 | $ 3,050,000 | $ 44,852 | $ 50,000 |
| Cowley, Kansas | 63 | $ 4,472,000 | $ 70,984 | $ 39,000 |
| Allen, Kansas | 50 | $ 2,629,000 | $ 52,580 | $ 49,000 |
| Butler, Kansas | 37 | $ 2,677,000 | $ 72,351 | $ 39,000 |
| Sedgwick, Kansas | 22 | $ 4,130,000 | $ 187,727 | $ 4,000 |
| Greenwood, Kansas | 21 | $ 866,000 | $ 41,238 | $ 53,000 |
| Cherokee, Kansas | 13 | $ 922,000 | $ 70,923 | $ 37,000 |
| Jasper, Missouri | 8 | $ 704,000 | $ 88,000 | $ 11,000 |
| Nowata, Oklahoma | 8 | $ 436,000 | $ 54,500 | $ 40,000 |
| Bourbon, Kansas | 6 | $ 149,000 | $ 24,833 | $ 45,000 |
| Chautauqua, Kansas | 5 | $ 297,000 | $ 59,400 | $ 35,000 |
| Marion, Kansas | 5 | $ 205,000 | $ 41,000 | $ 55,000 |
| Craig, Oklahoma | 5 | $ 847,000 | $ 169,400 | $ 59,000 |
| Washington, Oklahoma | 5 | $ 224,000 | $ 44,800 | $ 35,000 |
| Elk, Kansas | 4 | $ 58,000 | $ 14,500 | $ 38,000 |
| Barton, Missouri | 4 | $ 134,000 | $ 33,500 | $ 27,000 |
| Linn, Kansas | 3 | $ 227,000 | $ 75,666 | $ 0 |
| Delaware, Oklahoma | 2 | $ 37,000 | $ 18,500 | $ 83,000 |
| Pima, Arizona | 1 | $ 212,000 | $ 212,000 | $ 94,000 |
| Fremont, Colorado | 1 | $ 123,000 | $ 123,000 | $ 194,000 |
| Summit, Colorado | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Anderson, Kansas | 1 | $ 220,000 | $ 220,000 | $ 41,000 |
| Harper, Kansas | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Harvey, Kansas | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Johnson, Kansas | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Newton, Missouri | 1 | $ 90,000 | $ 90,000 | $ 83,000 |
| Mayes, Oklahoma | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| Muskogee, Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 352 | $24,939,000 | $70,000 | $1,614,000 | $42,000 | $398,000 |
| Home Purchase | 298 | $18,765,000 | $62,000 | $300,000 | $42,000 | $291,000 |
| Home Improvement | 167 | $5,794,000 | $34,000 | $276,000 | $48,000 | $297,000 |
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 | 730 | $43,417,000 | $59,000 | $1,614,000 | $46,000 | $398,000 |
| Not applicable | 35 | $3,848,000 | $109,000 | $554,000 | $0 | $0 |
| American Indian or Alaskan Native | 18 | $689,000 | $38,000 | $128,000 | $43,000 | $93,000 |
| Hispanic | 15 | $499,000 | $33,000 | $86,000 | $33,000 | $90,000 |
| Not Provided | 13 | $648,000 | $49,000 | $175,000 | $56,000 | $108,000 |
| Asian | 3 | $364,000 | $121,000 | $220,000 | $46,000 | $99,000 |
| Black or African American | 3 | $33,000 | $11,000 | $25,000 | $64,000 | $124,000 |
| 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) | 815 | $49,444,000 | $60,000 | $1,614,000 | $44,000 | $398,000 |
| FHA-insured (Federal Housing Administration) | 2 | $54,000 | $27,000 | $34,000 | $25,000 | $27,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 647 | $39,581,000 | $61,000 | $1,614,000 | $43,000 | $297,000 |
| Application Denied By Financial Institution | 117 | $6,434,000 | $54,000 | $320,000 | $45,000 | $398,000 |
| Application Withdrawn By Applicant | 28 | $1,887,000 | $67,000 | $293,000 | $58,000 | $183,000 |
| Application Approved But Not Accepted | 25 | $1,596,000 | $63,000 | $200,000 | $44,000 | $99,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 76 | $3,464,000 | $45,000 | $205,000 | $41,000 | $144,000 |
| Debt-To-Income Ratio | 26 | $1,716,000 | $66,000 | $220,000 | $42,000 | $185,000 |
| Collateral | 12 | $1,189,000 | $99,000 | $320,000 | $86,000 | $398,000 |
| Other | 1 | $44,000 | $44,000 | $44,000 | $25,000 | $25,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $0 | $0 |
| Employment History | 1 | $6,000 | $6,000 | $6,000 | $15,000 | $15,000 |
| 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 2007 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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