Community National Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Community National Bank & Trust of Chanute, KS reported 1,523 mortgage applications totaling $243.1 million, up 5% from 2024. The average application was for $159,615, and applicants reported an average income of $121,299. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Wichita, KS (327), Kansas City, MO-KS (43) and Joplin, MO (29) (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 | $243,095,000 |
| Average Mortgage Loan Application Amount | $159,615 |
| Highest Mortgage Loan Application Amount | $8,255,000 |
| Average Applicant Income | $121,299 |
| Highest Applicant Income | $3,675,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,084 | $ 142,290,000 | $ 131,263 | $ 107,226 |
| Wichita, KS | 327 | $ 66,845,000 | $ 204,418 | $ 159,000 |
| Kansas City, MO-KS | 43 | $ 12,575,000 | $ 292,441 | $ 139,162 |
| Joplin, MO | 29 | $ 12,685,000 | $ 437,413 | $ 128,137 |
| Tulsa, OK | 15 | $ 1,805,000 | $ 120,333 | $ 109,000 |
| Manhattan, KS | 4 | $ 1,350,000 | $ 337,500 | $ 99,000 |
| Oklahoma City, OK | 3 | $ 425,000 | $ 141,666 | $ 1,893,000 |
| Springfield, MO | 3 | $ 865,000 | $ 288,333 | $ 83,000 |
| Topeka, KS | 3 | $ 205,000 | $ 68,333 | $ 95,000 |
| Chicago-Naperville, IL | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,750,000 | $ 875,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 155,000 | $ 155,000 | $ 366,000 |
| Jackson, TN | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jefferson City, MO | 1 | $ 125,000 | $ 125,000 | $ 160,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 605,000 | $ 605,000 | $ 180,000 |
| Lawrence, KS | 1 | $ 25,000 | $ 25,000 | $ 169,000 |
| Memphis, TN-MS-AR | 1 | $ 165,000 | $ 165,000 | $ 0 |
| San Diego-Carlsbad, CA | 1 | $ 505,000 | $ 505,000 | $ 116,000 |
| St. Louis, MO-IL | 1 | $ 285,000 | $ 285,000 | $ 192,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2025
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 | 674 | $150,720,000 | $223,000 | $8,255,000 | $136,000 | $3,675,000 |
| Refinancing | 370 | $58,320,000 | $157,000 | $2,185,000 | $111,000 | $3,200,000 |
| Home Improvement | 228 | $12,450,000 | $54,000 | $405,000 | $112,000 | $614,000 |
| Cash-out Refinancing | 126 | $13,500,000 | $107,000 | $735,000 | $94,000 | $536,000 |
| Other Purpose | 125 | $8,105,000 | $64,000 | $465,000 | $117,000 | $1,213,000 |
| 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 | 1,094 | $147,520,000 | $134,000 | $1,805,000 | $121,000 | $3,675,000 |
| Not applicable | 273 | $68,345,000 | $250,000 | $8,155,000 | $0 | $0 |
| Not Provided | 64 | $17,000,000 | $265,000 | $8,255,000 | $162,000 | $3,200,000 |
| Hispanic | 54 | $5,790,000 | $107,000 | $355,000 | $84,000 | $360,000 |
| American Indian or Alaskan Native | 14 | $1,470,000 | $105,000 | $275,000 | $85,000 | $172,000 |
| Black or African American | 14 | $1,550,000 | $110,000 | $805,000 | $96,000 | $204,000 |
| Asian | 9 | $1,245,000 | $138,000 | $255,000 | $145,000 | $692,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $90,000 | $90,000 |
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) | 1,407 | $223,455,000 | $158,000 | $8,255,000 | $125,000 | $3,675,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $6,275,000 | $128,000 | $275,000 | $59,000 | $113,000 |
| FHA-insured (Federal Housing Administration) | 45 | $7,625,000 | $169,000 | $355,000 | $93,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 22 | $5,740,000 | $260,000 | $585,000 | $128,000 | $301,000 |
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 | 1,284 | $201,840,000 | $157,000 | $8,155,000 | $124,000 | $3,675,000 |
| Application Withdrawn By Applicant | 134 | $28,930,000 | $215,000 | $8,255,000 | $128,000 | $3,506,000 |
| Application Denied By Financial Institution | 77 | $8,885,000 | $115,000 | $905,000 | $80,000 | $284,000 |
| Application Approved But Not Accepted | 26 | $3,020,000 | $116,000 | $425,000 | $103,000 | $230,000 |
| Preapproval Denied by Financial Institution | 2 | $420,000 | $210,000 | $285,000 | $89,000 | $136,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 1,444 | $233,790,000 | $161,000 | $8,255,000 | $124,000 | $3,675,000 |
| Debt-To-Income Ratio | 32 | $5,340,000 | $166,000 | $905,000 | $74,000 | $284,000 |
| Credit History | 28 | $2,090,000 | $74,000 | $255,000 | $83,000 | $208,000 |
| Collateral | 11 | $865,000 | $78,000 | $235,000 | $102,000 | $243,000 |
| Other | 3 | $525,000 | $175,000 | $285,000 | $49,000 | $73,000 |
| Unverifiable Information | 3 | $385,000 | $128,000 | $215,000 | $55,000 | $75,000 |
| Employment History | 2 | $100,000 | $50,000 | $95,000 | $104,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2025 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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