Community National Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Community National Bank & Trust of Chanute, KS reported 1,454 mortgage applications totaling $198.2 million, up 3% from 2023. The average application was for $136,327, and applicants reported an average income of $110,185. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Wichita, KS (301), Kansas City, MO-KS (36) and Joplin, MO (21) (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 | 1,454 |
| Total Mortgage Loan Application Amount | $198,220,000 |
| Average Mortgage Loan Application Amount | $136,327 |
| Highest Mortgage Loan Application Amount | $2,565,000 |
| Average Applicant Income | $110,185 |
| Highest Applicant Income | $1,755,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 23,700,000 | $ 142,771 | $ 153,000 |
| Benton, Missouri | 163 | $ 17,775,000 | $ 109,049 | $ 79,000 |
| Montgomery, Kansas | 142 | $ 11,950,000 | $ 84,154 | $ 110,000 |
| Sedgwick, Kansas | 105 | $ 21,085,000 | $ 200,809 | $ 144,000 |
| Cowley, Kansas | 100 | $ 11,060,000 | $ 110,600 | $ 96,000 |
| Crawford, Kansas | 90 | $ 12,980,000 | $ 144,222 | $ 109,000 |
| Neosho, Kansas | 72 | $ 7,940,000 | $ 110,277 | $ 110,000 |
| Allen, Kansas | 53 | $ 3,925,000 | $ 74,056 | $ 92,000 |
| Vernon, Missouri | 50 | $ 6,930,000 | $ 138,600 | $ 91,000 |
| Lyon, Kansas | 49 | $ 4,195,000 | $ 85,612 | $ 111,000 |
| Labette, Kansas | 48 | $ 5,200,000 | $ 108,333 | $ 89,000 |
| Kay, Oklahoma | 43 | $ 3,905,000 | $ 90,813 | $ 106,000 |
| Johnson, Missouri | 42 | $ 13,140,000 | $ 312,857 | $ 142,000 |
| Wilson, Kansas | 35 | $ 2,945,000 | $ 84,142 | $ 93,000 |
| Greenwood, Kansas | 20 | $ 720,000 | $ 36,000 | $ 56,000 |
| Harvey, Kansas | 20 | $ 4,360,000 | $ 218,000 | $ 119,000 |
| Barton, Missouri | 17 | $ 1,985,000 | $ 116,764 | $ 99,000 |
| Jasper, Missouri | 15 | $ 1,795,000 | $ 119,666 | $ 123,000 |
| Pettis, Missouri | 15 | $ 2,115,000 | $ 141,000 | $ 130,000 |
| Cedar, Missouri | 11 | $ 1,665,000 | $ 151,363 | $ 76,000 |
| Nowata, Oklahoma | 11 | $ 945,000 | $ 85,909 | $ 66,000 |
| Sumner, Kansas | 10 | $ 1,210,000 | $ 121,000 | $ 112,000 |
| Jackson, Missouri | 10 | $ 1,800,000 | $ 180,000 | $ 102,000 |
| Osage, Oklahoma | 9 | $ 1,015,000 | $ 112,777 | $ 157,000 |
| Johnson, Kansas | 8 | $ 2,720,000 | $ 340,000 | $ 142,000 |
| Henry, Missouri | 7 | $ 1,295,000 | $ 185,000 | $ 105,000 |
| Hickory, Missouri | 7 | $ 525,000 | $ 75,000 | $ 96,000 |
| Delaware, Oklahoma | 7 | $ 2,135,000 | $ 305,000 | $ 318,000 |
| Marion, Kansas | 6 | $ 550,000 | $ 91,666 | $ 101,000 |
| Reno, Kansas | 6 | $ 630,000 | $ 105,000 | $ 130,000 |
| Cass, Missouri | 6 | $ 1,420,000 | $ 236,666 | $ 111,000 |
| Washington, Oklahoma | 6 | $ 600,000 | $ 100,000 | $ 107,000 |
| Bourbon, Kansas | 4 | $ 450,000 | $ 112,500 | $ 130,000 |
| Coffey, Kansas | 4 | $ 290,000 | $ 72,500 | $ 79,000 |
| Wyandotte, Kansas | 4 | $ 3,100,000 | $ 775,000 | $ 69,000 |
| Camden, Missouri | 4 | $ 780,000 | $ 195,000 | $ 116,000 |
| Newton, Missouri | 4 | $ 540,000 | $ 135,000 | $ 71,000 |
| Chautauqua, Kansas | 3 | $ 155,000 | $ 51,666 | $ 94,000 |
| Douglas, Kansas | 3 | $ 1,055,000 | $ 351,666 | $ 172,000 |
| Elk, Kansas | 3 | $ 105,000 | $ 35,000 | $ 102,000 |
| Franklin, Kansas | 3 | $ 485,000 | $ 161,666 | $ 119,000 |
| Woodson, Kansas | 3 | $ 305,000 | $ 101,666 | $ 79,000 |
| Boone, Missouri | 3 | $ 515,000 | $ 171,666 | $ 162,000 |
| Callaway, Missouri | 3 | $ 2,375,000 | $ 791,666 | $ 0 |
| Taney, Missouri | 3 | $ 515,000 | $ 171,666 | $ 527,000 |
| Creek, Oklahoma | 3 | $ 565,000 | $ 188,333 | $ 113,000 |
| Cooke, Texas | 3 | $ 1,745,000 | $ 581,666 | $ 0 |
| Sebastian, Arkansas | 2 | $ 480,000 | $ 240,000 | $ 105,000 |
| Anderson, Kansas | 2 | $ 430,000 | $ 215,000 | $ 81,000 |
| Cherokee, Kansas | 2 | $ 90,000 | $ 45,000 | $ 93,000 |
| Ford, Kansas | 2 | $ 500,000 | $ 250,000 | $ 111,000 |
| Harper, Kansas | 2 | $ 310,000 | $ 155,000 | $ 115,000 |
| Saline, Kansas | 2 | $ 330,000 | $ 165,000 | $ 195,000 |
| Barry, Missouri | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Clay, Missouri | 2 | $ 750,000 | $ 375,000 | $ 172,000 |
| Dade, Missouri | 2 | $ 510,000 | $ 255,000 | $ 103,000 |
| Platte, Missouri | 2 | $ 470,000 | $ 235,000 | $ 271,000 |
| St. Clair, Missouri | 2 | $ 250,000 | $ 125,000 | $ 71,000 |
| Baldwin, Alabama | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Washington, Arkansas | 1 | $ 185,000 | $ 185,000 | $ 290,000 |
| San Diego, California | 1 | $ 505,000 | $ 505,000 | $ 45,000 |
| Denver, Colorado | 1 | $ 505,000 | $ 505,000 | $ 38,000 |
| Palm Beach, Florida | 1 | $ 505,000 | $ 505,000 | $ 186,000 |
| Cloud, Kansas | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Kingman, Kansas | 1 | $ 485,000 | $ 485,000 | $ 200,000 |
| Leavenworth, Kansas | 1 | $ 275,000 | $ 275,000 | $ 137,000 |
| McPherson, Kansas | 1 | $ 185,000 | $ 185,000 | $ 49,000 |
| Nemaha, Kansas | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Osage, Kansas | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Pawnee, Kansas | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Riley, Kansas | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Atchison, Missouri | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Bates, Missouri | 1 | $ 95,000 | $ 95,000 | $ 101,000 |
| Buchanan, Missouri | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Christian, Missouri | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| Clinton, Missouri | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Cooper, Missouri | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Dallas, Missouri | 1 | $ 255,000 | $ 255,000 | $ 170,000 |
| Greene, Missouri | 1 | $ 135,000 | $ 135,000 | $ 126,000 |
| Lafayette, Missouri | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Lawrence, Missouri | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Polk, Missouri | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Saline, Missouri | 1 | $ 35,000 | $ 35,000 | $ 89,000 |
| St. Louis City, Missouri | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Stoddard, Missouri | 1 | $ 275,000 | $ 275,000 | $ 86,000 |
| Stone, Missouri | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Mayes, Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 636,000 |
| Noble, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Oklahoma, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Tulsa, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2024
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 | 612 | $107,660,000 | $175,000 | $1,895,000 | $112,000 | $1,213,000 |
| Refinancing | 333 | $53,185,000 | $159,000 | $2,565,000 | $103,000 | $846,000 |
| Home Improvement | 218 | $11,820,000 | $54,000 | $355,000 | $119,000 | $1,500,000 |
| Other Purpose | 155 | $10,685,000 | $68,000 | $1,205,000 | $115,000 | $1,755,000 |
| Cash-out Refinancing | 136 | $14,870,000 | $109,000 | $505,000 | $100,000 | $476,000 |
| 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 | 1,025 | $126,685,000 | $123,000 | $2,105,000 | $110,000 | $1,755,000 |
| Not applicable | 255 | $52,395,000 | $205,000 | $2,565,000 | $0 | $0 |
| Not Provided | 80 | $10,350,000 | $129,000 | $505,000 | $110,000 | $576,000 |
| Hispanic | 52 | $4,490,000 | $86,000 | $285,000 | $131,000 | $1,500,000 |
| American Indian or Alaskan Native | 24 | $2,750,000 | $114,000 | $665,000 | $85,000 | $213,000 |
| Black or African American | 10 | $790,000 | $79,000 | $205,000 | $120,000 | $216,000 |
| Asian | 8 | $760,000 | $95,000 | $285,000 | $107,000 | $161,000 |
| 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) | 1,378 | $186,180,000 | $135,000 | $2,565,000 | $113,000 | $1,755,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $6,075,000 | $123,000 | $255,000 | $60,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 23 | $5,205,000 | $226,000 | $485,000 | $102,000 | $186,000 |
| FHA-insured (Federal Housing Administration) | 4 | $760,000 | $190,000 | $255,000 | $83,000 | $148,000 |
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 | 1,199 | $165,695,000 | $138,000 | $2,565,000 | $109,000 | $1,755,000 |
| Application Withdrawn By Applicant | 140 | $21,080,000 | $150,000 | $1,255,000 | $115,000 | $1,213,000 |
| Application Denied By Financial Institution | 87 | $7,995,000 | $91,000 | $455,000 | $131,000 | $1,500,000 |
| Application Approved But Not Accepted | 28 | $3,450,000 | $123,000 | $555,000 | $92,000 | $184,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,367 | $190,225,000 | $139,000 | $2,565,000 | $109,000 | $1,755,000 |
| Debt-To-Income Ratio | 45 | $4,895,000 | $108,000 | $455,000 | $84,000 | $624,000 |
| Credit History | 29 | $1,795,000 | $61,000 | $225,000 | $175,000 | $1,083,000 |
| Employment History | 4 | $470,000 | $117,000 | $245,000 | $68,000 | $103,000 |
| Other | 4 | $460,000 | $115,000 | $225,000 | $441,000 | $1,500,000 |
| Collateral | 4 | $320,000 | $80,000 | $205,000 | $115,000 | $200,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 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 2024 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.
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