Community National Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Community National Bank & Trust of Chanute, KS reported 1,013 mortgage applications totaling $99.8 million, down 14% from 2012. The average application was for $98,513, and applicants reported an average income of $64,865. 78% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Wichita, KS (116), Kansas City, MO-KS (17) 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 | 1,013 |
| Total Mortgage Loan Application Amount | $99,794,000 |
| Average Mortgage Loan Application Amount | $98,513 |
| Highest Mortgage Loan Application Amount | $1,662,000 |
| Average Applicant Income | $64,865 |
| Highest Applicant Income | $1,631,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 191 | $ 21,001,000 | $ 109,952 | $ 68,000 |
| Montgomery, Kansas | 188 | $ 14,133,000 | $ 75,175 | $ 61,000 |
| Cowley, Kansas | 130 | $ 10,413,000 | $ 80,100 | $ 54,000 |
| Labette, Kansas | 79 | $ 6,180,000 | $ 78,227 | $ 48,000 |
| Neosho, Kansas | 77 | $ 5,842,000 | $ 75,870 | $ 50,000 |
| Butler, Kansas | 65 | $ 8,136,000 | $ 125,169 | $ 84,000 |
| Wilson, Kansas | 56 | $ 4,533,000 | $ 80,946 | $ 65,000 |
| Allen, Kansas | 41 | $ 2,995,000 | $ 73,048 | $ 44,000 |
| Sedgwick, Kansas | 38 | $ 6,410,000 | $ 168,684 | $ 39,000 |
| Greenwood, Kansas | 31 | $ 3,366,000 | $ 108,580 | $ 95,000 |
| Delaware, Oklahoma | 10 | $ 1,537,000 | $ 153,700 | $ 124,000 |
| Johnson, Kansas | 8 | $ 1,476,000 | $ 184,500 | $ 91,000 |
| Sumner, Kansas | 8 | $ 470,000 | $ 58,750 | $ 51,000 |
| Washington, Oklahoma | 7 | $ 459,000 | $ 65,571 | $ 41,000 |
| Anderson, Kansas | 6 | $ 635,000 | $ 105,833 | $ 71,000 |
| Chautauqua, Kansas | 6 | $ 602,000 | $ 100,333 | $ 82,000 |
| Cherokee, Kansas | 5 | $ 381,000 | $ 76,200 | $ 64,000 |
| Harvey, Kansas | 5 | $ 578,000 | $ 115,600 | $ 120,000 |
| Kay, Oklahoma | 5 | $ 1,384,000 | $ 276,800 | $ 54,000 |
| Nowata, Oklahoma | 5 | $ 349,000 | $ 69,800 | $ 48,000 |
| Bourbon, Kansas | 4 | $ 471,000 | $ 117,750 | $ 81,000 |
| Marion, Kansas | 4 | $ 296,000 | $ 74,000 | $ 143,000 |
| Jasper, Missouri | 4 | $ 1,200,000 | $ 300,000 | $ 447,000 |
| Woodson, Kansas | 3 | $ 181,000 | $ 60,333 | $ 44,000 |
| Barry, Missouri | 3 | $ 249,000 | $ 83,000 | $ 41,000 |
| Jackson, Missouri | 3 | $ 331,000 | $ 110,333 | $ 95,000 |
| Craig, Oklahoma | 3 | $ 60,000 | $ 20,000 | $ 34,000 |
| Elk, Kansas | 2 | $ 263,000 | $ 131,500 | $ 90,000 |
| Linn, Kansas | 2 | $ 375,000 | $ 187,500 | $ 47,000 |
| Miami, Kansas | 2 | $ 652,000 | $ 326,000 | $ 187,000 |
| Camden, Missouri | 2 | $ 351,000 | $ 175,500 | $ 531,000 |
| Christian, Missouri | 2 | $ 231,000 | $ 115,500 | $ 56,000 |
| Greene, Missouri | 2 | $ 277,000 | $ 138,500 | $ 81,000 |
| Stone, Missouri | 2 | $ 215,000 | $ 107,500 | $ 34,000 |
| Tulsa, Oklahoma | 2 | $ 327,000 | $ 163,500 | $ 89,000 |
| Benton, Arkansas | 1 | $ 336,000 | $ 336,000 | $ 147,000 |
| Eagle, Colorado | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Broward, Florida | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Douglas, Kansas | 1 | $ 107,000 | $ 107,000 | $ 162,000 |
| Ellis, Kansas | 1 | $ 85,000 | $ 85,000 | $ 101,000 |
| Franklin, Kansas | 1 | $ 768,000 | $ 768,000 | $ 0 |
| Lyon, Kansas | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Barton, Missouri | 1 | $ 59,000 | $ 59,000 | $ 42,000 |
| Platte, Missouri | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Taney, Missouri | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Oklahoma, Oklahoma | 1 | $ 88,000 | $ 88,000 | $ 65,000 |
| Rogers, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2013
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 | 473 | $46,091,000 | $97,000 | $850,000 | $60,000 | $710,000 |
| Refinancing | 383 | $44,933,000 | $117,000 | $1,662,000 | $70,000 | $1,631,000 |
| Home Improvement | 157 | $8,770,000 | $55,000 | $685,000 | $67,000 | $805,000 |
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 | 864 | $80,676,000 | $93,000 | $1,020,000 | $69,000 | $1,631,000 |
| Not applicable | 92 | $14,371,000 | $156,000 | $1,662,000 | $16,000 | $710,000 |
| Hispanic | 27 | $1,315,000 | $48,000 | $270,000 | $53,000 | $131,000 |
| American Indian or Alaskan Native | 19 | $1,502,000 | $79,000 | $198,000 | $86,000 | $303,000 |
| Asian | 5 | $1,090,000 | $218,000 | $619,000 | $141,000 | $455,000 |
| Not Provided | 3 | $643,000 | $214,000 | $410,000 | $242,000 | $597,000 |
| Black or African American | 2 | $142,000 | $71,000 | $76,000 | $61,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $31,000 | $31,000 |
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) | 1,013 | $99,794,000 | $98,000 | $1,662,000 | $65,000 | $1,631,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 791 | $77,321,000 | $97,000 | $1,662,000 | $63,000 | $1,631,000 |
| Application Denied By Financial Institution | 120 | $10,319,000 | $85,000 | $417,000 | $64,000 | $389,000 |
| Application Approved But Not Accepted | 68 | $7,009,000 | $103,000 | $280,000 | $66,000 | $250,000 |
| Application Withdrawn By Applicant | 31 | $4,701,000 | $151,000 | $410,000 | $112,000 | $597,000 |
| File Closed For Incompleteness | 3 | $444,000 | $148,000 | $210,000 | $108,000 | $240,000 |
| 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 | 78 | $6,153,000 | $78,000 | $303,000 | $63,000 | $209,000 |
| Debt-To-Income Ratio | 29 | $2,972,000 | $102,000 | $417,000 | $64,000 | $389,000 |
| Collateral | 8 | $771,000 | $96,000 | $165,000 | $70,000 | $184,000 |
| Other | 3 | $296,000 | $98,000 | $142,000 | $71,000 | $121,000 |
| Employment History | 2 | $127,000 | $63,000 | $74,000 | $46,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2013 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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