Community National Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, Community National Bank & Trust of Chanute, KS reported 1,177 mortgage applications totaling $111.6 million, up 26% from 2011. The average application was for $94,858, and applicants reported an average income of $64,053. 74% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Wichita, KS (98), Kansas City, MO-KS (17) and Joplin, MO (12) (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 | 1,177 |
| Total Mortgage Loan Application Amount | $111,648,000 |
| Average Mortgage Loan Application Amount | $94,858 |
| Highest Mortgage Loan Application Amount | $1,218,000 |
| Average Applicant Income | $64,053 |
| Highest Applicant Income | $1,257,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 257 | $ 22,871,000 | $ 88,992 | $ 62,000 |
| Montgomery, Kansas | 191 | $ 14,956,000 | $ 78,303 | $ 59,000 |
| Cowley, Kansas | 188 | $ 17,275,000 | $ 91,888 | $ 63,000 |
| Neosho, Kansas | 92 | $ 6,647,000 | $ 72,250 | $ 56,000 |
| Labette, Kansas | 88 | $ 7,004,000 | $ 79,590 | $ 60,000 |
| Butler, Kansas | 68 | $ 10,187,000 | $ 149,808 | $ 74,000 |
| Wilson, Kansas | 55 | $ 4,272,000 | $ 77,672 | $ 70,000 |
| Allen, Kansas | 46 | $ 4,315,000 | $ 93,804 | $ 59,000 |
| Sedgwick, Kansas | 22 | $ 3,747,000 | $ 170,318 | $ 60,000 |
| Greenwood, Kansas | 18 | $ 1,061,000 | $ 58,944 | $ 51,000 |
| Nowata, Oklahoma | 14 | $ 1,368,000 | $ 97,714 | $ 64,000 |
| Jasper, Missouri | 12 | $ 2,818,000 | $ 234,833 | $ 65,000 |
| Cherokee, Kansas | 9 | $ 921,000 | $ 102,333 | $ 77,000 |
| Chautauqua, Kansas | 8 | $ 570,000 | $ 71,250 | $ 68,000 |
| Delaware, Oklahoma | 8 | $ 1,064,000 | $ 133,000 | $ 212,000 |
| Barton, Missouri | 7 | $ 678,000 | $ 96,857 | $ 75,000 |
| Washington, Oklahoma | 7 | $ 440,000 | $ 62,857 | $ 43,000 |
| Bourbon, Kansas | 6 | $ 468,000 | $ 78,000 | $ 85,000 |
| Sumner, Kansas | 6 | $ 494,000 | $ 82,333 | $ 50,000 |
| Woodson, Kansas | 6 | $ 447,000 | $ 74,500 | $ 73,000 |
| Craig, Oklahoma | 6 | $ 821,000 | $ 136,833 | $ 82,000 |
| Elk, Kansas | 5 | $ 270,000 | $ 54,000 | $ 56,000 |
| Johnson, Kansas | 5 | $ 978,000 | $ 195,600 | $ 144,000 |
| Kay, Oklahoma | 5 | $ 440,000 | $ 88,000 | $ 55,000 |
| Franklin, Kansas | 4 | $ 778,000 | $ 194,500 | $ 82,000 |
| Greene, Missouri | 4 | $ 374,000 | $ 93,500 | $ 68,000 |
| Taney, Missouri | 4 | $ 468,000 | $ 117,000 | $ 6,000 |
| Tulsa, Oklahoma | 4 | $ 709,000 | $ 177,250 | $ 88,000 |
| Lyon, Kansas | 3 | $ 317,000 | $ 105,666 | $ 21,000 |
| Jackson, Missouri | 3 | $ 510,000 | $ 170,000 | $ 130,000 |
| Douglas, Kansas | 2 | $ 433,000 | $ 216,500 | $ 35,000 |
| Harvey, Kansas | 2 | $ 163,000 | $ 81,500 | $ 49,000 |
| Linn, Kansas | 2 | $ 500,000 | $ 250,000 | $ 85,000 |
| Marion, Kansas | 2 | $ 62,000 | $ 31,000 | $ 45,000 |
| Osage, Kansas | 2 | $ 237,000 | $ 118,500 | $ 63,000 |
| Wyandotte, Kansas | 2 | $ 168,000 | $ 84,000 | $ 250,000 |
| Carroll, Arkansas | 1 | $ 871,000 | $ 871,000 | $ 0 |
| Williamson, Illinois | 1 | $ 31,000 | $ 31,000 | $ 45,000 |
| Gove, Kansas | 1 | $ 270,000 | $ 270,000 | $ 0 |
| McPherson, Kansas | 1 | $ 122,000 | $ 122,000 | $ 92,000 |
| Miami, Kansas | 1 | $ 289,000 | $ 289,000 | $ 122,000 |
| Pottawatomie, Kansas | 1 | $ 209,000 | $ 209,000 | $ 60,000 |
| Shawnee, Kansas | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Benton, Missouri | 1 | $ 88,000 | $ 88,000 | $ 114,000 |
| Carter, Missouri | 1 | $ 50,000 | $ 50,000 | $ 59,000 |
| Pettis, Missouri | 1 | $ 236,000 | $ 236,000 | $ 212,000 |
| Polk, Missouri | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Stone, Missouri | 1 | $ 128,000 | $ 128,000 | $ 140,000 |
| Garfield, Oklahoma | 1 | $ 118,000 | $ 118,000 | $ 132,000 |
| Rogers, Oklahoma | 1 | $ 190,000 | $ 190,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2012
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 | 511 | $56,191,000 | $109,000 | $1,218,000 | $67,000 | $515,000 |
| Home Purchase | 480 | $42,531,000 | $88,000 | $871,000 | $59,000 | $1,257,000 |
| Home Improvement | 186 | $12,926,000 | $69,000 | $475,000 | $69,000 | $918,000 |
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 | 1,037 | $97,202,000 | $93,000 | $1,218,000 | $69,000 | $1,257,000 |
| Not applicable | 79 | $8,445,000 | $106,000 | $783,000 | $0 | $0 |
| Hispanic | 21 | $1,818,000 | $86,000 | $250,000 | $56,000 | $210,000 |
| American Indian or Alaskan Native | 20 | $1,387,000 | $69,000 | $300,000 | $46,000 | $174,000 |
| Not Provided | 11 | $1,305,000 | $118,000 | $440,000 | $62,000 | $131,000 |
| Black or African American | 6 | $516,000 | $86,000 | $250,000 | $67,000 | $135,000 |
| Asian | 3 | $975,000 | $325,000 | $417,000 | $397,000 | $590,000 |
| 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) | 1,175 | $111,537,000 | $94,000 | $1,218,000 | $64,000 | $1,257,000 |
| FHA-insured (Federal Housing Administration) | 1 | $50,000 | $50,000 | $50,000 | $20,000 | $20,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $61,000 | $61,000 | $61,000 | $15,000 | $15,000 |
| 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 | 866 | $80,083,000 | $92,000 | $1,218,000 | $63,000 | $1,257,000 |
| Application Denied By Financial Institution | 175 | $15,769,000 | $90,000 | $650,000 | $59,000 | $419,000 |
| Application Approved But Not Accepted | 87 | $9,617,000 | $110,000 | $440,000 | $75,000 | $308,000 |
| Application Withdrawn By Applicant | 48 | $6,124,000 | $127,000 | $417,000 | $90,000 | $455,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| 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 | 93 | $6,888,000 | $74,000 | $650,000 | $53,000 | $240,000 |
| Debt-To-Income Ratio | 52 | $5,159,000 | $99,000 | $279,000 | $57,000 | $115,000 |
| Collateral | 24 | $3,037,000 | $126,000 | $420,000 | $81,000 | $419,000 |
| Employment History | 2 | $88,000 | $44,000 | $48,000 | $46,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $49,000 | $24,000 | $28,000 | $28,000 | $44,000 |
| Other | 1 | $250,000 | $250,000 | $250,000 | $85,000 | $85,000 |
| Unverifiable Information | 1 | $298,000 | $298,000 | $298,000 | $183,000 | $183,000 |
| 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 2012 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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