Community National Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Community National Bank & Trust of Chanute, KS reported 1,056 mortgage applications totaling $119.9 million, up 9% from 2018. The average application was for $113,541, and applicants reported an average income of $95,961. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Wichita, KS (200), Joplin, MO (37) and Kansas City, MO-KS (14) (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 | 1,056 |
| Total Mortgage Loan Application Amount | $119,900,000 |
| Average Mortgage Loan Application Amount | $113,541 |
| Highest Mortgage Loan Application Amount | $3,655,000 |
| Average Applicant Income | $95,961 |
| Highest Applicant Income | $1,447,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 136 | $ 14,490,000 | $ 106,544 | $ 118,000 |
| Montgomery, Kansas | 118 | $ 7,780,000 | $ 65,932 | $ 71,000 |
| Butler, Kansas | 117 | $ 14,285,000 | $ 122,094 | $ 104,000 |
| Cowley, Kansas | 92 | $ 10,510,000 | $ 114,239 | $ 86,000 |
| Lyon, Kansas | 62 | $ 5,710,000 | $ 92,096 | $ 58,000 |
| Sedgwick, Kansas | 54 | $ 10,730,000 | $ 198,703 | $ 112,000 |
| Neosho, Kansas | 51 | $ 4,585,000 | $ 89,901 | $ 93,000 |
| Vernon, Missouri | 48 | $ 5,880,000 | $ 122,500 | $ 101,000 |
| Allen, Kansas | 42 | $ 3,370,000 | $ 80,238 | $ 69,000 |
| Jasper, Missouri | 32 | $ 5,570,000 | $ 174,062 | $ 173,000 |
| Wilson, Kansas | 31 | $ 2,115,000 | $ 68,225 | $ 77,000 |
| Kay, Oklahoma | 31 | $ 2,855,000 | $ 92,096 | $ 78,000 |
| Greenwood, Kansas | 25 | $ 1,605,000 | $ 64,200 | $ 99,000 |
| Labette, Kansas | 22 | $ 1,340,000 | $ 60,909 | $ 72,000 |
| Harvey, Kansas | 20 | $ 2,580,000 | $ 129,000 | $ 131,000 |
| Barton, Missouri | 19 | $ 1,795,000 | $ 94,473 | $ 82,000 |
| Cedar, Missouri | 15 | $ 1,025,000 | $ 68,333 | $ 44,000 |
| Washington, Oklahoma | 14 | $ 1,860,000 | $ 132,857 | $ 87,000 |
| Cherokee, Kansas | 13 | $ 785,000 | $ 60,384 | $ 121,000 |
| Chautauqua, Kansas | 9 | $ 425,000 | $ 47,222 | $ 44,000 |
| Marion, Kansas | 9 | $ 1,265,000 | $ 140,555 | $ 81,000 |
| Sumner, Kansas | 9 | $ 1,325,000 | $ 147,222 | $ 97,000 |
| Delaware, Oklahoma | 7 | $ 1,135,000 | $ 162,142 | $ 148,000 |
| Osage, Oklahoma | 7 | $ 1,635,000 | $ 233,571 | $ 105,000 |
| Johnson, Kansas | 6 | $ 1,710,000 | $ 285,000 | $ 304,000 |
| Nowata, Oklahoma | 6 | $ 820,000 | $ 136,666 | $ 73,000 |
| Newton, Missouri | 5 | $ 555,000 | $ 111,000 | $ 50,000 |
| Franklin, Kansas | 4 | $ 750,000 | $ 187,500 | $ 168,000 |
| McPherson, Kansas | 4 | $ 560,000 | $ 140,000 | $ 79,000 |
| Jackson, Missouri | 4 | $ 490,000 | $ 122,500 | $ 54,000 |
| Coffey, Kansas | 3 | $ 305,000 | $ 101,666 | $ 0 |
| Benton, Arkansas | 2 | $ 650,000 | $ 325,000 | $ 200,000 |
| Leavenworth, Kansas | 2 | $ 290,000 | $ 145,000 | $ 63,000 |
| Woodson, Kansas | 2 | $ 260,000 | $ 130,000 | $ 58,000 |
| Henry, Missouri | 2 | $ 280,000 | $ 140,000 | $ 104,000 |
| Craig, Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Harris, Texas | 2 | $ 350,000 | $ 175,000 | $ 68,000 |
| Adams, Colorado | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 405,000 | $ 405,000 | $ 174,000 |
| Anderson, Kansas | 1 | $ 15,000 | $ 15,000 | $ 21,000 |
| Barton, Kansas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Bourbon, Kansas | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Chase, Kansas | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Cloud, Kansas | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Dickinson, Kansas | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Douglas, Kansas | 1 | $ 105,000 | $ 105,000 | $ 131,000 |
| Elk, Kansas | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Jackson, Kansas | 1 | $ 155,000 | $ 155,000 | $ 155,000 |
| Pratt, Kansas | 1 | $ 335,000 | $ 335,000 | $ 165,000 |
| Reno, Kansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Shawnee, Kansas | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Wyandotte, Kansas | 1 | $ 3,655,000 | $ 3,655,000 | $ 0 |
| Barry, Missouri | 1 | $ 155,000 | $ 155,000 | $ 178,000 |
| Clay, Missouri | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Hickory, Missouri | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Polk, Missouri | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| St. Clair, Missouri | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Holmes, Ohio | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Richland, Ohio | 1 | $ 235,000 | $ 235,000 | $ 138,000 |
| Garfield, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 175,000 |
| Le Flore, Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Payne, Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Rogers, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Tulsa, Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Cameron, Texas | 1 | $ 265,000 | $ 265,000 | $ 307,000 |
| Navarro, Texas | 1 | $ 235,000 | $ 235,000 | $ 143,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2019
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 | 604 | $69,690,000 | $115,000 | $875,000 | $93,000 | $1,203,000 |
| Refinancing | 218 | $28,760,000 | $131,000 | $3,655,000 | $108,000 | $1,447,000 |
| Cash-out Refinancing | 168 | $18,230,000 | $108,000 | $485,000 | $101,000 | $1,209,000 |
| Home Improvement | 47 | $1,865,000 | $39,000 | $215,000 | $65,000 | $149,000 |
| Other Purpose | 19 | $1,355,000 | $71,000 | $185,000 | $84,000 | $292,000 |
| 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 | 851 | $92,095,000 | $108,000 | $825,000 | $97,000 | $1,447,000 |
| Not applicable | 115 | $17,885,000 | $155,000 | $3,655,000 | $0 | $0 |
| Hispanic | 42 | $3,070,000 | $73,000 | $245,000 | $77,000 | $797,000 |
| Not Provided | 17 | $2,865,000 | $168,000 | $565,000 | $84,000 | $300,000 |
| Asian | 12 | $2,180,000 | $181,000 | $465,000 | $74,000 | $178,000 |
| American Indian or Alaskan Native | 11 | $905,000 | $82,000 | $145,000 | $84,000 | $177,000 |
| Black or African American | 5 | $445,000 | $89,000 | $165,000 | $58,000 | $112,000 |
| 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) | 1,029 | $117,095,000 | $113,000 | $3,655,000 | $97,000 | $1,447,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,770,000 | $126,000 | $325,000 | $65,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,035,000 | $79,000 | $145,000 | $40,000 | $71,000 |
| 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 | 766 | $84,680,000 | $110,000 | $3,655,000 | $106,000 | $1,447,000 |
| Application Withdrawn By Applicant | 160 | $23,370,000 | $146,000 | $565,000 | $92,000 | $420,000 |
| Application Denied By Financial Institution | 108 | $10,360,000 | $95,000 | $465,000 | $56,000 | $215,000 |
| Application Approved But Not Accepted | 18 | $1,020,000 | $56,000 | $155,000 | $53,000 | $123,000 |
| File Closed For Incompleteness | 4 | $470,000 | $117,000 | $265,000 | $81,000 | $133,000 |
| 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 | 948 | $109,540,000 | $115,000 | $3,655,000 | $101,000 | $1,447,000 |
| Credit History | 48 | $4,510,000 | $93,000 | $465,000 | $59,000 | $135,000 |
| Debt-To-Income Ratio | 40 | $4,580,000 | $114,000 | $375,000 | $60,000 | $215,000 |
| Collateral | 9 | $595,000 | $66,000 | $105,000 | $51,000 | $99,000 |
| Other | 5 | $275,000 | $55,000 | $145,000 | $21,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $305,000 | $61,000 | $135,000 | $42,000 | $75,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2019 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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