Community National Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Community National Bank & Trust of Chanute, KS reported 1,523 mortgage applications totaling $200.9 million, up 9% from 2021. The average application was for $131,927, and applicants reported an average income of $103,155. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Wichita, KS (329), Joplin, MO (33) and Kansas City, MO-KS (25) (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 | 1,523 |
| Total Mortgage Loan Application Amount | $200,925,000 |
| Average Mortgage Loan Application Amount | $131,927 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $103,155 |
| Highest Applicant Income | $2,390,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 188 | $ 25,140,000 | $ 133,723 | $ 129,000 |
| Benton, Missouri | 177 | $ 18,105,000 | $ 102,288 | $ 84,000 |
| Montgomery, Kansas | 164 | $ 13,700,000 | $ 83,536 | $ 80,000 |
| Cowley, Kansas | 153 | $ 17,095,000 | $ 111,732 | $ 103,000 |
| Sedgwick, Kansas | 117 | $ 18,785,000 | $ 160,555 | $ 135,000 |
| Crawford, Kansas | 101 | $ 18,325,000 | $ 181,435 | $ 133,000 |
| Neosho, Kansas | 79 | $ 9,395,000 | $ 118,924 | $ 100,000 |
| Kay, Oklahoma | 67 | $ 5,195,000 | $ 77,537 | $ 102,000 |
| Allen, Kansas | 50 | $ 4,200,000 | $ 84,000 | $ 86,000 |
| Vernon, Missouri | 41 | $ 5,295,000 | $ 129,146 | $ 81,000 |
| Lyon, Kansas | 32 | $ 4,290,000 | $ 134,062 | $ 143,000 |
| Labette, Kansas | 30 | $ 3,200,000 | $ 106,666 | $ 77,000 |
| Jasper, Missouri | 29 | $ 9,555,000 | $ 329,482 | $ 120,000 |
| Barton, Missouri | 24 | $ 2,020,000 | $ 84,166 | $ 51,000 |
| Wilson, Kansas | 21 | $ 1,705,000 | $ 81,190 | $ 95,000 |
| Cedar, Missouri | 21 | $ 2,585,000 | $ 123,095 | $ 72,000 |
| Greenwood, Kansas | 15 | $ 1,015,000 | $ 67,666 | $ 65,000 |
| Johnson, Missouri | 15 | $ 2,125,000 | $ 141,666 | $ 90,000 |
| Sumner, Kansas | 13 | $ 1,475,000 | $ 113,461 | $ 128,000 |
| Harvey, Kansas | 11 | $ 1,645,000 | $ 149,545 | $ 102,000 |
| Henry, Missouri | 11 | $ 975,000 | $ 88,636 | $ 60,000 |
| Reno, Kansas | 10 | $ 1,290,000 | $ 129,000 | $ 86,000 |
| Marion, Kansas | 9 | $ 805,000 | $ 89,444 | $ 102,000 |
| Pettis, Missouri | 9 | $ 1,045,000 | $ 116,111 | $ 73,000 |
| Cherokee, Kansas | 7 | $ 905,000 | $ 129,285 | $ 81,000 |
| Hickory, Missouri | 7 | $ 985,000 | $ 140,714 | $ 97,000 |
| Delaware, Oklahoma | 7 | $ 2,975,000 | $ 425,000 | $ 317,000 |
| Jackson, Missouri | 6 | $ 1,340,000 | $ 223,333 | $ 144,000 |
| Washington, Oklahoma | 6 | $ 900,000 | $ 150,000 | $ 79,000 |
| Bourbon, Kansas | 5 | $ 525,000 | $ 105,000 | $ 121,000 |
| Coffey, Kansas | 5 | $ 1,665,000 | $ 333,000 | $ 239,000 |
| Johnson, Kansas | 5 | $ 1,075,000 | $ 215,000 | $ 125,000 |
| Woodson, Kansas | 5 | $ 215,000 | $ 43,000 | $ 43,000 |
| Camden, Missouri | 5 | $ 1,565,000 | $ 313,000 | $ 143,000 |
| Tulsa, Oklahoma | 5 | $ 915,000 | $ 183,000 | $ 167,000 |
| McPherson, Kansas | 4 | $ 610,000 | $ 152,500 | $ 98,000 |
| Newton, Missouri | 4 | $ 350,000 | $ 87,500 | $ 139,000 |
| Wyandotte, Kansas | 3 | $ 815,000 | $ 271,666 | $ 95,000 |
| Platte, Missouri | 3 | $ 1,075,000 | $ 358,333 | $ 162,000 |
| Garfield, Oklahoma | 3 | $ 295,000 | $ 98,333 | $ 74,000 |
| Dickinson, Kansas | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Pottawatomie, Kansas | 2 | $ 1,350,000 | $ 675,000 | $ 351,000 |
| Cass, Missouri | 2 | $ 2,510,000 | $ 1,255,000 | $ 27,000 |
| Clay, Missouri | 2 | $ 1,360,000 | $ 680,000 | $ 34,000 |
| Lawrence, Missouri | 2 | $ 140,000 | $ 70,000 | $ 28,000 |
| Miller, Missouri | 2 | $ 60,000 | $ 30,000 | $ 23,000 |
| Morgan, Missouri | 2 | $ 910,000 | $ 455,000 | $ 89,000 |
| St. Clair, Missouri | 2 | $ 270,000 | $ 135,000 | $ 44,000 |
| Nowata, Oklahoma | 2 | $ 330,000 | $ 165,000 | $ 119,000 |
| Osage, Oklahoma | 2 | $ 70,000 | $ 35,000 | $ 125,000 |
| Benton, Arkansas | 1 | $ 385,000 | $ 385,000 | $ 171,000 |
| Randolph, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| San Diego, California | 1 | $ 505,000 | $ 505,000 | $ 317,000 |
| Lee, Florida | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Lake, Illinois | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Anderson, Kansas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Elk, Kansas | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Franklin, Kansas | 1 | $ 645,000 | $ 645,000 | $ 70,000 |
| Hodgeman, Kansas | 1 | $ 25,000 | $ 25,000 | $ 76,000 |
| Jefferson, Kansas | 1 | $ 215,000 | $ 215,000 | $ 286,000 |
| Kingman, Kansas | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Leavenworth, Kansas | 1 | $ 405,000 | $ 405,000 | $ 120,000 |
| Linn, Kansas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Miami, Kansas | 1 | $ 45,000 | $ 45,000 | $ 77,000 |
| Morris, Kansas | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Morton, Kansas | 1 | $ 75,000 | $ 75,000 | $ 155,000 |
| Rice, Kansas | 1 | $ 205,000 | $ 205,000 | $ 175,000 |
| Rooks, Kansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Shawnee, Kansas | 1 | $ 65,000 | $ 65,000 | $ 127,000 |
| Stafford, Kansas | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Barry, Missouri | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Bates, Missouri | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
| Callaway, Missouri | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Christian, Missouri | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
| Dade, Missouri | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Pulaski, Missouri | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Stone, Missouri | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Taney, Missouri | 1 | $ 15,000 | $ 15,000 | $ 153,000 |
| Cape May, New Jersey | 1 | $ 275,000 | $ 275,000 | $ 554,000 |
| Cibola, New Mexico | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Craig, Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 175,000 |
| Mayes, Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 158,000 |
| Ottawa, Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Payne, Oklahoma | 1 | $ 285,000 | $ 285,000 | $ 482,000 |
| Cooke, Texas | 1 | $ 385,000 | $ 385,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2022
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 | 714 | $116,800,000 | $163,000 | $4,505,000 | $109,000 | $1,352,000 |
| Refinancing | 348 | $44,910,000 | $129,000 | $2,385,000 | $92,000 | $1,848,000 |
| Cash-out Refinancing | 193 | $24,105,000 | $124,000 | $645,000 | $92,000 | $334,000 |
| Home Improvement | 163 | $7,075,000 | $43,000 | $275,000 | $96,000 | $516,000 |
| Other Purpose | 105 | $8,035,000 | $76,000 | $785,000 | $132,000 | $2,390,000 |
| 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 | 1,153 | $134,385,000 | $116,000 | $1,005,000 | $104,000 | $2,390,000 |
| Not applicable | 219 | $50,315,000 | $229,000 | $4,505,000 | $0 | $0 |
| Not Provided | 59 | $6,725,000 | $113,000 | $585,000 | $107,000 | $398,000 |
| Hispanic | 46 | $4,660,000 | $101,000 | $455,000 | $89,000 | $276,000 |
| American Indian or Alaskan Native | 20 | $2,000,000 | $100,000 | $275,000 | $102,000 | $664,000 |
| Black or African American | 15 | $1,635,000 | $109,000 | $305,000 | $93,000 | $262,000 |
| Asian | 9 | $805,000 | $89,000 | $195,000 | $81,000 | $146,000 |
| 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) | 1,517 | $199,965,000 | $131,000 | $4,505,000 | $104,000 | $2,390,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $285,000 | $95,000 | $115,000 | $44,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 2 | $370,000 | $185,000 | $185,000 | $97,000 | $109,000 |
| FHA-insured (Federal Housing Administration) | 1 | $305,000 | $305,000 | $305,000 | $165,000 | $165,000 |
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 | 1,253 | $164,155,000 | $131,000 | $4,505,000 | $107,000 | $2,390,000 |
| Application Withdrawn By Applicant | 127 | $20,245,000 | $159,000 | $2,385,000 | $108,000 | $780,000 |
| Application Denied By Financial Institution | 92 | $10,010,000 | $108,000 | $605,000 | $74,000 | $336,000 |
| Application Approved But Not Accepted | 38 | $5,280,000 | $138,000 | $675,000 | $86,000 | $351,000 |
| File Closed For Incompleteness | 13 | $1,235,000 | $95,000 | $245,000 | $66,000 | $203,000 |
| 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 | 1,431 | $190,915,000 | $133,000 | $4,505,000 | $106,000 | $2,390,000 |
| Credit History | 43 | $4,615,000 | $107,000 | $385,000 | $76,000 | $336,000 |
| Debt-To-Income Ratio | 32 | $4,290,000 | $134,000 | $605,000 | $64,000 | $228,000 |
| Collateral | 13 | $735,000 | $56,000 | $115,000 | $97,000 | $312,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $125,000 | $67,000 | $97,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $22,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2022 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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