Community National Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Community National Bank & Trust of Chanute, KS reported 1,230 mortgage applications totaling $159.3 million, up 16% from 2019. The average application was for $129,544, and applicants reported an average income of $89,615. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Wichita, KS (246), Joplin, MO (29) and Kansas City, MO-KS (17) (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 | 1,230 |
| Total Mortgage Loan Application Amount | $159,340,000 |
| Average Mortgage Loan Application Amount | $129,544 |
| Highest Mortgage Loan Application Amount | $2,415,000 |
| Average Applicant Income | $89,615 |
| Highest Applicant Income | $970,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 145 | $ 19,985,000 | $ 137,827 | $ 90,000 |
| Butler, Kansas | 138 | $ 17,820,000 | $ 129,130 | $ 110,000 |
| Montgomery, Kansas | 136 | $ 11,450,000 | $ 84,191 | $ 74,000 |
| Cowley, Kansas | 121 | $ 14,695,000 | $ 121,446 | $ 85,000 |
| Sedgwick, Kansas | 86 | $ 14,610,000 | $ 169,883 | $ 106,000 |
| Neosho, Kansas | 79 | $ 8,895,000 | $ 112,594 | $ 99,000 |
| Lyon, Kansas | 50 | $ 7,210,000 | $ 144,200 | $ 62,000 |
| Allen, Kansas | 49 | $ 4,735,000 | $ 96,632 | $ 79,000 |
| Kay, Oklahoma | 44 | $ 3,910,000 | $ 88,863 | $ 90,000 |
| Wilson, Kansas | 37 | $ 3,315,000 | $ 89,594 | $ 73,000 |
| Vernon, Missouri | 36 | $ 4,490,000 | $ 124,722 | $ 74,000 |
| Barton, Missouri | 30 | $ 2,950,000 | $ 98,333 | $ 59,000 |
| Benton, Missouri | 29 | $ 2,805,000 | $ 96,724 | $ 73,000 |
| Labette, Kansas | 28 | $ 3,680,000 | $ 131,428 | $ 84,000 |
| Jasper, Missouri | 27 | $ 6,955,000 | $ 257,592 | $ 69,000 |
| Harvey, Kansas | 18 | $ 2,020,000 | $ 112,222 | $ 92,000 |
| Greenwood, Kansas | 17 | $ 2,285,000 | $ 134,411 | $ 85,000 |
| Cedar, Missouri | 16 | $ 1,560,000 | $ 97,500 | $ 82,000 |
| Marion, Kansas | 10 | $ 1,420,000 | $ 142,000 | $ 82,000 |
| Chautauqua, Kansas | 8 | $ 620,000 | $ 77,500 | $ 88,000 |
| Johnson, Kansas | 8 | $ 1,580,000 | $ 197,500 | $ 132,000 |
| Osage, Oklahoma | 8 | $ 1,210,000 | $ 151,250 | $ 108,000 |
| Cherokee, Kansas | 5 | $ 495,000 | $ 99,000 | $ 123,000 |
| Woodson, Kansas | 5 | $ 505,000 | $ 101,000 | $ 46,000 |
| Camden, Missouri | 5 | $ 455,000 | $ 91,000 | $ 23,000 |
| Reno, Kansas | 4 | $ 720,000 | $ 180,000 | $ 151,000 |
| Sumner, Kansas | 4 | $ 770,000 | $ 192,500 | $ 119,000 |
| Henry, Missouri | 4 | $ 290,000 | $ 72,500 | $ 65,000 |
| Delaware, Oklahoma | 4 | $ 1,120,000 | $ 280,000 | $ 151,000 |
| Washington, Oklahoma | 4 | $ 610,000 | $ 152,500 | $ 86,000 |
| Franklin, Kansas | 3 | $ 385,000 | $ 128,333 | $ 55,000 |
| Linn, Kansas | 3 | $ 345,000 | $ 115,000 | $ 25,000 |
| Wyandotte, Kansas | 3 | $ 2,225,000 | $ 741,666 | $ 15,000 |
| Hickory, Missouri | 3 | $ 185,000 | $ 61,666 | $ 151,000 |
| Oklahoma, Oklahoma | 3 | $ 595,000 | $ 198,333 | $ 119,000 |
| Bourbon, Kansas | 2 | $ 450,000 | $ 225,000 | $ 146,000 |
| Chase, Kansas | 2 | $ 100,000 | $ 50,000 | $ 29,000 |
| Coffey, Kansas | 2 | $ 80,000 | $ 40,000 | $ 102,000 |
| Jefferson, Kansas | 2 | $ 610,000 | $ 305,000 | $ 207,000 |
| Osage, Kansas | 2 | $ 250,000 | $ 125,000 | $ 65,000 |
| Barry, Missouri | 2 | $ 360,000 | $ 180,000 | $ 124,000 |
| Dade, Missouri | 2 | $ 130,000 | $ 65,000 | $ 138,000 |
| Dallas, Missouri | 2 | $ 360,000 | $ 180,000 | $ 61,000 |
| Greene, Missouri | 2 | $ 310,000 | $ 155,000 | $ 63,000 |
| Newton, Missouri | 2 | $ 810,000 | $ 405,000 | $ 134,000 |
| Pettis, Missouri | 2 | $ 340,000 | $ 170,000 | $ 84,000 |
| Garfield, Oklahoma | 2 | $ 240,000 | $ 120,000 | $ 95,000 |
| Williamson, Tennessee | 2 | $ 890,000 | $ 445,000 | $ 0 |
| Denton, Texas | 2 | $ 500,000 | $ 250,000 | $ 105,000 |
| Maricopa, Arizona | 1 | $ 325,000 | $ 325,000 | $ 129,000 |
| Benton, Arkansas | 1 | $ 385,000 | $ 385,000 | $ 195,000 |
| Crawford, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Orange, California | 1 | $ 725,000 | $ 725,000 | $ 365,000 |
| Manatee, Florida | 1 | $ 215,000 | $ 215,000 | $ 453,000 |
| Palm Beach, Florida | 1 | $ 115,000 | $ 115,000 | $ 519,000 |
| Woodbury, Iowa | 1 | $ 305,000 | $ 305,000 | $ 230,000 |
| Dickinson, Kansas | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Douglas, Kansas | 1 | $ 85,000 | $ 85,000 | $ 125,000 |
| Jackson, Kansas | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| Kingman, Kansas | 1 | $ 255,000 | $ 255,000 | $ 89,000 |
| Leavenworth, Kansas | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Miami, Kansas | 1 | $ 325,000 | $ 325,000 | $ 260,000 |
| Pottawatomie, Kansas | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Riley, Kansas | 1 | $ 95,000 | $ 95,000 | $ 141,000 |
| Stevens, Kansas | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Jefferson, Kentucky | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Cole, Missouri | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Jackson, Missouri | 1 | $ 235,000 | $ 235,000 | $ 258,000 |
| Pulaski, Missouri | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| St. Clair, Missouri | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| St. Louis, Missouri | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Taney, Missouri | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Moore, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 179,000 |
| Cleveland, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Mayes, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Noble, Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Ottawa, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Payne, Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 208,000 |
| Wagoner, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2020
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 | 622 | $75,330,000 | $121,000 | $2,415,000 | $84,000 | $513,000 |
| Refinancing | 278 | $44,200,000 | $158,000 | $1,635,000 | $101,000 | $740,000 |
| Cash-out Refinancing | 270 | $36,850,000 | $136,000 | $725,000 | $95,000 | $970,000 |
| Home Improvement | 39 | $1,335,000 | $34,000 | $125,000 | $67,000 | $422,000 |
| Other Purpose | 21 | $1,625,000 | $77,000 | $275,000 | $78,000 | $360,000 |
| 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 | 963 | $114,405,000 | $118,000 | $1,555,000 | $91,000 | $970,000 |
| Not applicable | 152 | $30,360,000 | $199,000 | $2,415,000 | $0 | $0 |
| Hispanic | 43 | $4,155,000 | $96,000 | $255,000 | $56,000 | $111,000 |
| Not Provided | 37 | $4,935,000 | $133,000 | $505,000 | $79,000 | $187,000 |
| American Indian or Alaskan Native | 19 | $2,465,000 | $129,000 | $355,000 | $86,000 | $323,000 |
| Asian | 8 | $1,620,000 | $202,000 | $385,000 | $112,000 | $242,000 |
| Black or African American | 4 | $390,000 | $97,000 | $155,000 | $73,000 | $152,000 |
| 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) | 1,213 | $156,805,000 | $129,000 | $2,415,000 | $89,000 | $970,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,660,000 | $166,000 | $505,000 | $88,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $875,000 | $125,000 | $435,000 | $62,000 | $155,000 |
| 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 | 927 | $116,605,000 | $125,000 | $2,415,000 | $93,000 | $970,000 |
| Application Withdrawn By Applicant | 191 | $28,895,000 | $151,000 | $515,000 | $90,000 | $740,000 |
| Application Denied By Financial Institution | 94 | $11,070,000 | $117,000 | $505,000 | $61,000 | $179,000 |
| Application Approved But Not Accepted | 11 | $2,415,000 | $219,000 | $1,225,000 | $104,000 | $300,000 |
| File Closed For Incompleteness | 7 | $355,000 | $50,000 | $65,000 | $67,000 | $122,000 |
| 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 | 1,136 | $148,270,000 | $130,000 | $2,415,000 | $92,000 | $970,000 |
| Credit History | 44 | $4,360,000 | $99,000 | $505,000 | $65,000 | $176,000 |
| Debt-To-Income Ratio | 38 | $4,980,000 | $131,000 | $355,000 | $56,000 | $179,000 |
| Collateral | 10 | $1,480,000 | $148,000 | $405,000 | $71,000 | $179,000 |
| Other | 2 | $250,000 | $125,000 | $175,000 | $31,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2020 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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