Community National Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Community National Bank & Trust of Chanute, KS reported 1,410 mortgage applications totaling $177.1 million, down 7% from 2022. The average application was for $125,617, and applicants reported an average income of $103,496. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Wichita, KS (292), Kansas City, MO-KS (47) and Joplin, MO (18) (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 | 1,410 |
| Total Mortgage Loan Application Amount | $177,120,000 |
| Average Mortgage Loan Application Amount | $125,617 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $103,496 |
| Highest Applicant Income | $2,232,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Benton, Missouri | 164 | $ 19,170,000 | $ 116,890 | $ 86,000 |
| Butler, Kansas | 159 | $ 19,445,000 | $ 122,295 | $ 107,000 |
| Montgomery, Kansas | 121 | $ 10,425,000 | $ 86,157 | $ 80,000 |
| Cowley, Kansas | 113 | $ 9,285,000 | $ 82,168 | $ 97,000 |
| Sedgwick, Kansas | 108 | $ 22,310,000 | $ 206,574 | $ 181,000 |
| Crawford, Kansas | 90 | $ 9,760,000 | $ 108,444 | $ 80,000 |
| Neosho, Kansas | 81 | $ 8,665,000 | $ 106,975 | $ 124,000 |
| Kay, Oklahoma | 61 | $ 5,535,000 | $ 90,737 | $ 106,000 |
| Allen, Kansas | 50 | $ 3,730,000 | $ 74,600 | $ 103,000 |
| Lyon, Kansas | 46 | $ 5,580,000 | $ 121,304 | $ 67,000 |
| Wilson, Kansas | 37 | $ 2,675,000 | $ 72,297 | $ 59,000 |
| Vernon, Missouri | 34 | $ 5,130,000 | $ 150,882 | $ 82,000 |
| Labette, Kansas | 33 | $ 2,525,000 | $ 76,515 | $ 108,000 |
| Johnson, Missouri | 33 | $ 8,255,000 | $ 250,151 | $ 118,000 |
| Greenwood, Kansas | 31 | $ 3,495,000 | $ 112,741 | $ 145,000 |
| Jackson, Missouri | 19 | $ 2,715,000 | $ 142,894 | $ 104,000 |
| Jasper, Missouri | 18 | $ 2,270,000 | $ 126,111 | $ 133,000 |
| Pettis, Missouri | 15 | $ 2,645,000 | $ 176,333 | $ 76,000 |
| Sumner, Kansas | 14 | $ 2,000,000 | $ 142,857 | $ 138,000 |
| Barton, Missouri | 14 | $ 880,000 | $ 62,857 | $ 48,000 |
| Marion, Kansas | 12 | $ 1,470,000 | $ 122,500 | $ 84,000 |
| Harvey, Kansas | 11 | $ 1,465,000 | $ 133,181 | $ 128,000 |
| Cedar, Missouri | 11 | $ 1,635,000 | $ 148,636 | $ 97,000 |
| Henry, Missouri | 10 | $ 480,000 | $ 48,000 | $ 61,000 |
| Johnson, Kansas | 8 | $ 1,720,000 | $ 215,000 | $ 148,000 |
| Woodson, Kansas | 7 | $ 755,000 | $ 107,857 | $ 165,000 |
| Bourbon, Kansas | 6 | $ 640,000 | $ 106,666 | $ 83,000 |
| Reno, Kansas | 6 | $ 560,000 | $ 93,333 | $ 115,000 |
| Delaware, Oklahoma | 6 | $ 1,370,000 | $ 228,333 | $ 133,000 |
| Cass, Missouri | 5 | $ 995,000 | $ 199,000 | $ 334,000 |
| Nowata, Oklahoma | 5 | $ 695,000 | $ 139,000 | $ 80,000 |
| Chautauqua, Kansas | 4 | $ 450,000 | $ 112,500 | $ 130,000 |
| Elk, Kansas | 4 | $ 220,000 | $ 55,000 | $ 76,000 |
| Wyandotte, Kansas | 4 | $ 710,000 | $ 177,500 | $ 131,000 |
| Washington, Oklahoma | 4 | $ 590,000 | $ 147,500 | $ 93,000 |
| Cherokee, Kansas | 3 | $ 295,000 | $ 98,333 | $ 68,000 |
| Franklin, Kansas | 3 | $ 485,000 | $ 161,666 | $ 63,000 |
| Clay, Missouri | 3 | $ 745,000 | $ 248,333 | $ 133,000 |
| Lafayette, Missouri | 3 | $ 975,000 | $ 325,000 | $ 233,000 |
| St. Clair, Missouri | 3 | $ 165,000 | $ 55,000 | $ 49,000 |
| Osage, Oklahoma | 3 | $ 415,000 | $ 138,333 | $ 77,000 |
| Douglas, Kansas | 2 | $ 310,000 | $ 155,000 | $ 162,000 |
| Shawnee, Kansas | 2 | $ 370,000 | $ 185,000 | $ 101,000 |
| Dade, Missouri | 2 | $ 410,000 | $ 205,000 | $ 125,000 |
| Greene, Missouri | 2 | $ 400,000 | $ 200,000 | $ 85,000 |
| Pulaski, Missouri | 2 | $ 410,000 | $ 205,000 | $ 76,000 |
| Payne, Oklahoma | 2 | $ 1,510,000 | $ 755,000 | $ 0 |
| Lauderdale, Alabama | 1 | $ 185,000 | $ 185,000 | $ 263,000 |
| Benton, Arkansas | 1 | $ 345,000 | $ 345,000 | $ 137,000 |
| Larimer, Colorado | 1 | $ 305,000 | $ 305,000 | $ 247,000 |
| Routt, Colorado | 1 | $ 45,000 | $ 45,000 | $ 154,000 |
| Escambia, Florida | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Bonneville, Idaho | 1 | $ 435,000 | $ 435,000 | $ 176,000 |
| Anderson, Kansas | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Cloud, Kansas | 1 | $ 65,000 | $ 65,000 | $ 146,000 |
| Geary, Kansas | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
| Gove, Kansas | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Linn, Kansas | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| McPherson, Kansas | 1 | $ 175,000 | $ 175,000 | $ 128,000 |
| Miami, Kansas | 1 | $ 335,000 | $ 335,000 | $ 135,000 |
| Morton, Kansas | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Osage, Kansas | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Ottawa, Kansas | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Caldwell, Missouri | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Camden, Missouri | 1 | $ 255,000 | $ 255,000 | $ 115,000 |
| Christian, Missouri | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Hickory, Missouri | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| Lawrence, Missouri | 1 | $ 105,000 | $ 105,000 | $ 107,000 |
| Lewis, Missouri | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Linn, Missouri | 1 | $ 175,000 | $ 175,000 | $ 162,000 |
| Morgan, Missouri | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Platte, Missouri | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Polk, Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Ray, Missouri | 1 | $ 245,000 | $ 245,000 | $ 51,000 |
| Grant, New Mexico | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Bryan, Oklahoma | 1 | $ 605,000 | $ 605,000 | $ 572,000 |
| Craig, Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Oklahoma, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Tulsa, Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Lincoln, Oregon | 1 | $ 735,000 | $ 735,000 | $ 187,000 |
| Tipton, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cooke, Texas | 1 | $ 1,075,000 | $ 1,075,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 75,000 | $ 75,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2023
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 | 709 | $108,795,000 | $153,000 | $1,875,000 | $106,000 | $2,232,000 |
| Refinancing | 291 | $37,935,000 | $130,000 | $1,555,000 | $105,000 | $1,585,000 |
| Home Improvement | 185 | $9,785,000 | $52,000 | $315,000 | $91,000 | $318,000 |
| Cash-out Refinancing | 116 | $13,910,000 | $119,000 | $735,000 | $102,000 | $458,000 |
| Other Purpose | 109 | $6,695,000 | $61,000 | $325,000 | $106,000 | $735,000 |
| 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 | 1,003 | $115,155,000 | $114,000 | $1,605,000 | $102,000 | $1,585,000 |
| Not applicable | 217 | $39,095,000 | $180,000 | $1,875,000 | $0 | $0 |
| Hispanic | 73 | $6,285,000 | $86,000 | $505,000 | $83,000 | $318,000 |
| Not Provided | 65 | $7,195,000 | $110,000 | $455,000 | $113,000 | $852,000 |
| American Indian or Alaskan Native | 27 | $3,725,000 | $137,000 | $485,000 | $91,000 | $237,000 |
| Black or African American | 13 | $2,205,000 | $169,000 | $735,000 | $147,000 | $446,000 |
| Asian | 11 | $3,415,000 | $310,000 | $855,000 | $321,000 | $2,232,000 |
| 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) | 1,346 | $167,240,000 | $124,000 | $1,875,000 | $105,000 | $2,232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $5,045,000 | $117,000 | $235,000 | $55,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,365,000 | $229,000 | $415,000 | $107,000 | $195,000 |
| FHA-insured (Federal Housing Administration) | 2 | $470,000 | $235,000 | $245,000 | $131,000 | $179,000 |
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 | 1,138 | $139,900,000 | $122,000 | $1,875,000 | $107,000 | $2,232,000 |
| Application Withdrawn By Applicant | 146 | $23,190,000 | $158,000 | $735,000 | $90,000 | $729,000 |
| Application Denied By Financial Institution | 87 | $8,585,000 | $98,000 | $455,000 | $78,000 | $852,000 |
| Application Approved But Not Accepted | 38 | $5,330,000 | $140,000 | $1,495,000 | $139,000 | $1,585,000 |
| Loan Purchased By The Institution | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,323 | $168,535,000 | $127,000 | $1,875,000 | $105,000 | $2,232,000 |
| Debt-To-Income Ratio | 46 | $5,300,000 | $115,000 | $455,000 | $50,000 | $162,000 |
| Credit History | 30 | $2,180,000 | $72,000 | $225,000 | $125,000 | $852,000 |
| Other | 5 | $465,000 | $93,000 | $245,000 | $78,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $295,000 | $98,000 | $155,000 | $54,000 | $70,000 |
| Collateral | 3 | $345,000 | $115,000 | $185,000 | $76,000 | $117,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2023 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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