Community National Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Community National Bank & Trust of Chanute, KS reported 851 mortgage applications totaling $53.8 million, up 4% from 2007. The average application was for $63,177, and applicants reported an average income of $50,509. 80% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Wichita, KS (47), Kansas City, MO-KS (5) and Joplin, MO (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 | 851 |
| Total Mortgage Loan Application Amount | $53,764,000 |
| Average Mortgage Loan Application Amount | $63,177 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $50,509 |
| Highest Applicant Income | $1,109,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 215 | $ 15,448,000 | $ 71,851 | $ 47,000 |
| Montgomery, Kansas | 136 | $ 6,938,000 | $ 51,014 | $ 49,000 |
| Neosho, Kansas | 89 | $ 5,532,000 | $ 62,157 | $ 43,000 |
| Labette, Kansas | 86 | $ 3,927,000 | $ 45,662 | $ 43,000 |
| Wilson, Kansas | 72 | $ 3,239,000 | $ 44,986 | $ 55,000 |
| Cowley, Kansas | 54 | $ 4,348,000 | $ 80,518 | $ 39,000 |
| Allen, Kansas | 42 | $ 2,642,000 | $ 62,904 | $ 68,000 |
| Butler, Kansas | 33 | $ 2,043,000 | $ 61,909 | $ 63,000 |
| Greenwood, Kansas | 29 | $ 1,007,000 | $ 34,724 | $ 43,000 |
| Sedgwick, Kansas | 12 | $ 1,211,000 | $ 100,916 | $ 37,000 |
| Nowata, Oklahoma | 10 | $ 434,000 | $ 43,400 | $ 64,000 |
| Cherokee, Kansas | 9 | $ 596,000 | $ 66,222 | $ 57,000 |
| Woodson, Kansas | 9 | $ 471,000 | $ 52,333 | $ 32,000 |
| Bourbon, Kansas | 8 | $ 730,000 | $ 91,250 | $ 44,000 |
| Barton, Missouri | 6 | $ 259,000 | $ 43,166 | $ 44,000 |
| Washington, Oklahoma | 6 | $ 482,000 | $ 80,333 | $ 59,000 |
| Chautauqua, Kansas | 5 | $ 158,000 | $ 31,600 | $ 45,000 |
| Craig, Oklahoma | 4 | $ 199,000 | $ 49,750 | $ 50,000 |
| Delaware, Oklahoma | 4 | $ 201,000 | $ 50,250 | $ 73,000 |
| Linn, Kansas | 3 | $ 436,000 | $ 145,333 | $ 33,000 |
| Jasper, Missouri | 3 | $ 356,000 | $ 118,666 | $ 123,000 |
| Sumner, Kansas | 2 | $ 239,000 | $ 119,500 | $ 101,000 |
| Benton, Arkansas | 1 | $ 3,000 | $ 3,000 | $ 122,000 |
| Fremont, Colorado | 1 | $ 150,000 | $ 150,000 | $ 222,000 |
| Williamson, Illinois | 1 | $ 29,000 | $ 29,000 | $ 28,000 |
| Anderson, Kansas | 1 | $ 2,000 | $ 2,000 | $ 76,000 |
| Coffey, Kansas | 1 | $ 12,000 | $ 12,000 | $ 36,000 |
| Johnson, Kansas | 1 | $ 274,000 | $ 274,000 | $ 233,000 |
| Miami, Kansas | 1 | $ 33,000 | $ 33,000 | $ 147,000 |
| Reno, Kansas | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Camden, Missouri | 1 | $ 171,000 | $ 171,000 | $ 142,000 |
| Newton, Missouri | 1 | $ 6,000 | $ 6,000 | $ 91,000 |
| Bernalillo, New Mexico | 1 | $ 163,000 | $ 163,000 | $ 865,000 |
| Kay, Oklahoma | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Mayes, Oklahoma | 1 | $ 1,905,000 | $ 1,905,000 | $ 210,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2008
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 | 421 | $28,512,000 | $67,000 | $1,905,000 | $45,000 | $334,000 |
| Home Purchase | 273 | $19,364,000 | $70,000 | $639,000 | $57,000 | $1,109,000 |
| Home Improvement | 157 | $5,888,000 | $37,000 | $383,000 | $54,000 | $259,000 |
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 | 771 | $46,048,000 | $59,000 | $1,905,000 | $50,000 | $407,000 |
| Not applicable | 41 | $6,089,000 | $148,000 | $1,287,000 | $55,000 | $1,109,000 |
| American Indian or Alaskan Native | 19 | $716,000 | $37,000 | $153,000 | $46,000 | $152,000 |
| Hispanic | 10 | $523,000 | $52,000 | $157,000 | $45,000 | $191,000 |
| Not Provided | 5 | $218,000 | $43,000 | $90,000 | $53,000 | $75,000 |
| Black or African American | 5 | $170,000 | $34,000 | $56,000 | $37,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 849 | $53,575,000 | $63,000 | $1,905,000 | $50,000 | $1,109,000 |
| FHA-insured (Federal Housing Administration) | 1 | $80,000 | $80,000 | $80,000 | $88,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 1 | $109,000 | $109,000 | $109,000 | $46,000 | $46,000 |
| 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 | 684 | $43,374,000 | $63,000 | $1,905,000 | $51,000 | $1,109,000 |
| Application Denied By Financial Institution | 117 | $6,750,000 | $57,000 | $220,000 | $39,000 | $130,000 |
| Application Approved But Not Accepted | 32 | $2,147,000 | $67,000 | $300,000 | $75,000 | $407,000 |
| Application Withdrawn By Applicant | 18 | $1,493,000 | $82,000 | $183,000 | $68,000 | $227,000 |
| 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 | 68 | $3,356,000 | $49,000 | $220,000 | $39,000 | $112,000 |
| Debt-To-Income Ratio | 25 | $1,557,000 | $62,000 | $212,000 | $38,000 | $130,000 |
| Collateral | 14 | $1,134,000 | $81,000 | $150,000 | $52,000 | $104,000 |
| Employment History | 5 | $444,000 | $88,000 | $185,000 | $28,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $142,000 | $47,000 | $95,000 | $34,000 | $60,000 |
| Other | 2 | $117,000 | $58,000 | $75,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2008 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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