Community National Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Community National Bank & Trust of Chanute, KS reported 801 mortgage applications totaling $78.7 million, down 7% from 2014. The average application was for $98,283, and applicants reported an average income of $57,454. 68% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Wichita, KS (117), Joplin, MO (8) and Kansas City, MO-KS (8) (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 | 801 |
| Total Mortgage Loan Application Amount | $78,725,000 |
| Average Mortgage Loan Application Amount | $98,283 |
| Highest Mortgage Loan Application Amount | $1,265,000 |
| Average Applicant Income | $57,454 |
| Highest Applicant Income | $536,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Montgomery, Kansas | 149 | $ 11,632,000 | $ 78,067 | $ 54,000 |
| Crawford, Kansas | 129 | $ 13,162,000 | $ 102,031 | $ 65,000 |
| Cowley, Kansas | 112 | $ 11,987,000 | $ 107,026 | $ 59,000 |
| Butler, Kansas | 61 | $ 8,898,000 | $ 145,868 | $ 58,000 |
| Neosho, Kansas | 51 | $ 3,637,000 | $ 71,313 | $ 57,000 |
| Sedgwick, Kansas | 49 | $ 6,660,000 | $ 135,918 | $ 38,000 |
| Labette, Kansas | 45 | $ 2,563,000 | $ 56,955 | $ 52,000 |
| Wilson, Kansas | 42 | $ 2,690,000 | $ 64,047 | $ 47,000 |
| Allen, Kansas | 39 | $ 2,580,000 | $ 66,153 | $ 47,000 |
| Greenwood, Kansas | 23 | $ 1,528,000 | $ 66,434 | $ 48,000 |
| Nowata, Oklahoma | 10 | $ 689,000 | $ 68,900 | $ 42,000 |
| Chautauqua, Kansas | 7 | $ 758,000 | $ 108,285 | $ 70,000 |
| Lyon, Kansas | 7 | $ 887,000 | $ 126,714 | $ 43,000 |
| Johnson, Kansas | 6 | $ 730,000 | $ 121,666 | $ 59,000 |
| Jasper, Missouri | 6 | $ 737,000 | $ 122,833 | $ 70,000 |
| Delaware, Oklahoma | 5 | $ 740,000 | $ 148,000 | $ 173,000 |
| Kay, Oklahoma | 5 | $ 820,000 | $ 164,000 | $ 108,000 |
| Elk, Kansas | 4 | $ 169,000 | $ 42,250 | $ 45,000 |
| Marion, Kansas | 4 | $ 336,000 | $ 84,000 | $ 43,000 |
| Sumner, Kansas | 4 | $ 216,000 | $ 54,000 | $ 34,000 |
| Cherokee, Kansas | 3 | $ 472,000 | $ 157,333 | $ 57,000 |
| Harvey, Kansas | 3 | $ 803,000 | $ 267,666 | $ 129,000 |
| Reno, Kansas | 3 | $ 516,000 | $ 172,000 | $ 26,000 |
| Woodson, Kansas | 3 | $ 90,000 | $ 30,000 | $ 54,000 |
| Barry, Missouri | 3 | $ 455,000 | $ 151,666 | $ 129,000 |
| Washington, Oklahoma | 3 | $ 650,000 | $ 216,666 | $ 93,000 |
| Cloud, Kansas | 2 | $ 61,000 | $ 30,500 | $ 0 |
| Newton, Missouri | 2 | $ 607,000 | $ 303,500 | $ 51,000 |
| Oklahoma, Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Benton, Arkansas | 1 | $ 378,000 | $ 378,000 | $ 53,000 |
| Harper, Kansas | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Jefferson, Kansas | 1 | $ 329,000 | $ 329,000 | $ 334,000 |
| McPherson, Kansas | 1 | $ 51,000 | $ 51,000 | $ 56,000 |
| Osage, Kansas | 1 | $ 111,000 | $ 111,000 | $ 50,000 |
| Riley, Kansas | 1 | $ 208,000 | $ 208,000 | $ 98,000 |
| Wyandotte, Kansas | 1 | $ 41,000 | $ 41,000 | $ 26,000 |
| Ramsey, Minnesota | 1 | $ 360,000 | $ 360,000 | $ 70,000 |
| Barton, Missouri | 1 | $ 60,000 | $ 60,000 | $ 135,000 |
| Jackson, Missouri | 1 | $ 199,000 | $ 199,000 | $ 135,000 |
| Stone, Missouri | 1 | $ 231,000 | $ 231,000 | $ 290,000 |
| Taney, Missouri | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Vernon, Missouri | 1 | $ 114,000 | $ 114,000 | $ 97,000 |
| Mitchell, North Carolina | 1 | $ 216,000 | $ 216,000 | $ 92,000 |
| Craig, Oklahoma | 1 | $ 180,000 | $ 180,000 | $ 89,000 |
| Osage, Oklahoma | 1 | $ 97,000 | $ 97,000 | $ 30,000 |
| Tulsa, Oklahoma | 1 | $ 149,000 | $ 149,000 | $ 89,000 |
| Madison, Tennessee | 1 | $ 181,000 | $ 181,000 | $ 0 |
| Greenbrier, West Virginia | 1 | $ 126,000 | $ 126,000 | $ 260,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2015
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 | 446 | $45,198,000 | $101,000 | $1,241,000 | $61,000 | $487,000 |
| Refinancing | 188 | $23,521,000 | $125,000 | $1,055,000 | $53,000 | $536,000 |
| Home Improvement | 167 | $10,006,000 | $59,000 | $1,265,000 | $53,000 | $334,000 |
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 | 668 | $60,528,000 | $90,000 | $820,000 | $63,000 | $487,000 |
| Not applicable | 65 | $12,904,000 | $198,000 | $1,265,000 | $0 | $0 |
| Hispanic | 34 | $1,449,000 | $42,000 | $165,000 | $38,000 | $123,000 |
| American Indian or Alaskan Native | 18 | $1,414,000 | $78,000 | $185,000 | $51,000 | $94,000 |
| Not Provided | 7 | $1,018,000 | $145,000 | $417,000 | $140,000 | $487,000 |
| Asian | 5 | $962,000 | $192,000 | $417,000 | $157,000 | $536,000 |
| Black or African American | 4 | $450,000 | $112,000 | $156,000 | $63,000 | $125,000 |
| 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) | 795 | $78,333,000 | $98,000 | $1,265,000 | $58,000 | $536,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $276,000 | $55,000 | $71,000 | $36,000 | $65,000 |
| FHA-insured (Federal Housing Administration) | 1 | $116,000 | $116,000 | $116,000 | $12,000 | $12,000 |
| 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 | 542 | $54,218,000 | $100,000 | $1,265,000 | $54,000 | $487,000 |
| Application Denied By Financial Institution | 149 | $11,425,000 | $76,000 | $417,000 | $56,000 | $487,000 |
| Application Approved But Not Accepted | 79 | $9,174,000 | $116,000 | $417,000 | $81,000 | $536,000 |
| Application Withdrawn By Applicant | 31 | $3,908,000 | $126,000 | $600,000 | $68,000 | $273,000 |
| 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 | $4,283,000 | $62,000 | $300,000 | $51,000 | $204,000 |
| Debt-To-Income Ratio | 60 | $5,870,000 | $97,000 | $417,000 | $62,000 | $487,000 |
| Collateral | 10 | $549,000 | $54,000 | $149,000 | $65,000 | $186,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $296,000 | $74,000 | $186,000 | $50,000 | $62,000 |
| Other | 3 | $305,000 | $101,000 | $200,000 | $87,000 | $148,000 |
| Employment History | 3 | $53,000 | $17,000 | $27,000 | $21,000 | $25,000 |
| Unverifiable Information | 1 | $69,000 | $69,000 | $69,000 | $65,000 | $65,000 |
| 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 2015 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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