Community National Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Community National Bank & Trust of Chanute, KS reported 965 mortgage applications totaling $103.0 million, down 9% from 2017. The average application was for $106,751, and applicants reported an average income of $80,918. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Wichita, KS (204), Joplin, MO (38) and Kansas City, MO-KS (6) (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 | 965 |
| Total Mortgage Loan Application Amount | $103,015,000 |
| Average Mortgage Loan Application Amount | $106,751 |
| Highest Mortgage Loan Application Amount | $1,455,000 |
| Average Applicant Income | $80,918 |
| Highest Applicant Income | $743,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Butler, Kansas | 115 | $ 12,315,000 | $ 107,086 | $ 93,000 |
| Montgomery, Kansas | 113 | $ 8,745,000 | $ 77,389 | $ 76,000 |
| Cowley, Kansas | 108 | $ 10,930,000 | $ 101,203 | $ 88,000 |
| Crawford, Kansas | 105 | $ 10,715,000 | $ 102,047 | $ 94,000 |
| Sedgwick, Kansas | 71 | $ 11,985,000 | $ 168,802 | $ 89,000 |
| Neosho, Kansas | 62 | $ 6,550,000 | $ 105,645 | $ 71,000 |
| Allen, Kansas | 48 | $ 4,020,000 | $ 83,750 | $ 77,000 |
| Labette, Kansas | 38 | $ 2,600,000 | $ 68,421 | $ 52,000 |
| Lyon, Kansas | 35 | $ 4,085,000 | $ 116,714 | $ 59,000 |
| Jasper, Missouri | 35 | $ 5,335,000 | $ 152,428 | $ 96,000 |
| Kay, Oklahoma | 30 | $ 2,970,000 | $ 99,000 | $ 102,000 |
| Greenwood, Kansas | 27 | $ 1,975,000 | $ 73,148 | $ 62,000 |
| Wilson, Kansas | 23 | $ 1,085,000 | $ 47,173 | $ 54,000 |
| Vernon, Missouri | 21 | $ 1,535,000 | $ 73,095 | $ 59,000 |
| Harvey, Kansas | 12 | $ 1,900,000 | $ 158,333 | $ 83,000 |
| Barton, Missouri | 8 | $ 900,000 | $ 112,500 | $ 62,000 |
| Chautauqua, Kansas | 7 | $ 605,000 | $ 86,428 | $ 49,000 |
| Cedar, Missouri | 7 | $ 845,000 | $ 120,714 | $ 66,000 |
| Nowata, Oklahoma | 7 | $ 625,000 | $ 89,285 | $ 49,000 |
| Washington, Oklahoma | 7 | $ 525,000 | $ 75,000 | $ 68,000 |
| Cherokee, Kansas | 6 | $ 730,000 | $ 121,666 | $ 66,000 |
| Johnson, Kansas | 5 | $ 965,000 | $ 193,000 | $ 120,000 |
| Marion, Kansas | 5 | $ 595,000 | $ 119,000 | $ 61,000 |
| Sumner, Kansas | 5 | $ 585,000 | $ 117,000 | $ 87,000 |
| Barry, Missouri | 5 | $ 635,000 | $ 127,000 | $ 183,000 |
| Stone, Missouri | 5 | $ 975,000 | $ 195,000 | $ 106,000 |
| Reno, Kansas | 4 | $ 300,000 | $ 75,000 | $ 314,000 |
| Anderson, Kansas | 3 | $ 155,000 | $ 51,666 | $ 47,000 |
| Pratt, Kansas | 3 | $ 1,105,000 | $ 368,333 | $ 156,000 |
| Newton, Missouri | 3 | $ 405,000 | $ 135,000 | $ 103,000 |
| Delaware, Oklahoma | 3 | $ 575,000 | $ 191,666 | $ 252,000 |
| Payne, Oklahoma | 3 | $ 525,000 | $ 175,000 | $ 71,000 |
| Tulsa, Oklahoma | 3 | $ 525,000 | $ 175,000 | $ 185,000 |
| Bourbon, Kansas | 2 | $ 310,000 | $ 155,000 | $ 50,000 |
| Elk, Kansas | 2 | $ 40,000 | $ 20,000 | $ 25,000 |
| Woodson, Kansas | 2 | $ 110,000 | $ 55,000 | $ 88,000 |
| Douglas, Nebraska | 2 | $ 160,000 | $ 80,000 | $ 128,000 |
| McHenry, Illinois | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Franklin, Kansas | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Geary, Kansas | 1 | $ 45,000 | $ 45,000 | $ 129,000 |
| Kingman, Kansas | 1 | $ 225,000 | $ 225,000 | $ 124,000 |
| McPherson, Kansas | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Pawnee, Kansas | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Pottawatomie, Kansas | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Rice, Kansas | 1 | $ 45,000 | $ 45,000 | $ 201,000 |
| Russell, Kansas | 1 | $ 175,000 | $ 175,000 | $ 129,000 |
| Trego, Kansas | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Greene, Missouri | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Jackson, Missouri | 1 | $ 335,000 | $ 335,000 | $ 156,000 |
| Lawrence, Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Colfax, New Mexico | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Craig, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Garfield, Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Osage, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Ottawa, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Brown, South Dakota | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Williamson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Grayson, Texas | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Wharton, Texas | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Addison, Vermont | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2018
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 | 590 | $67,770,000 | $114,000 | $965,000 | $85,000 | $743,000 |
| Refinancing | 198 | $20,530,000 | $103,000 | $1,455,000 | $74,000 | $205,000 |
| Cash-out Refinancing | 123 | $12,275,000 | $99,000 | $995,000 | $76,000 | $423,000 |
| Home Improvement | 28 | $980,000 | $35,000 | $95,000 | $57,000 | $151,000 |
| Other Purpose | 26 | $1,460,000 | $56,000 | $305,000 | $90,000 | $458,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 760 | $79,610,000 | $104,000 | $995,000 | $84,000 | $743,000 |
| Not applicable | 117 | $15,665,000 | $133,000 | $1,455,000 | $0 | $0 |
| Hispanic | 44 | $2,810,000 | $63,000 | $185,000 | $43,000 | $123,000 |
| American Indian or Alaskan Native | 16 | $960,000 | $60,000 | $185,000 | $74,000 | $185,000 |
| Asian | 12 | $1,760,000 | $146,000 | $335,000 | $86,000 | $176,000 |
| Black or African American | 8 | $1,370,000 | $171,000 | $555,000 | $84,000 | $173,000 |
| Not Provided | 8 | $840,000 | $105,000 | $275,000 | $81,000 | $127,000 |
| 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) | 948 | $100,880,000 | $106,000 | $1,455,000 | $82,000 | $743,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,135,000 | $125,000 | $605,000 | $88,000 | $458,000 |
| 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 | 716 | $70,230,000 | $98,000 | $995,000 | $84,000 | $743,000 |
| Application Withdrawn By Applicant | 137 | $20,865,000 | $152,000 | $605,000 | $83,000 | $425,000 |
| Application Denied By Financial Institution | 97 | $10,495,000 | $108,000 | $1,455,000 | $66,000 | $458,000 |
| Application Approved But Not Accepted | 12 | $1,030,000 | $85,000 | $235,000 | $70,000 | $130,000 |
| File Closed For Incompleteness | 3 | $395,000 | $131,000 | $175,000 | $114,000 | $172,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 868 | $92,520,000 | $106,000 | $995,000 | $84,000 | $743,000 |
| Debt-To-Income Ratio | 44 | $4,680,000 | $106,000 | $275,000 | $56,000 | $305,000 |
| Credit History | 36 | $2,990,000 | $83,000 | $305,000 | $72,000 | $185,000 |
| Collateral | 8 | $640,000 | $80,000 | $265,000 | $56,000 | $126,000 |
| Other | 4 | $1,740,000 | $435,000 | $1,455,000 | $198,000 | $458,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $185,000 | $58,000 | $71,000 |
| Employment History | 2 | $100,000 | $50,000 | $65,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
| 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 2018 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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