Community National Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Community National Bank & Trust of Chanute, KS reported 758 mortgage applications totaling $40.6 million, down 14% from 2005. The average application was for $53,614, and applicants reported an average income of $45,980. 79% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Wichita, KS (55), Joplin, MO (4) and Kansas City, MO-KS (3) (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 | 758 |
| Total Mortgage Loan Application Amount | $40,640,000 |
| Average Mortgage Loan Application Amount | $53,614 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $45,980 |
| Highest Applicant Income | $397,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Wichita, KS | 55 | $ 4,488,000 | $ 81,600 | $ 40,000 |
| Joplin, MO | 4 | $ 254,000 | $ 63,500 | $ 42,000 |
| Kansas City, MO-KS | 3 | $ 317,000 | $ 105,666 | $ 76,666 |
| Tacoma, WA | 2 | $ 797,000 | $ 398,500 | $ 130,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 288,000 | $ 288,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2006
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 | 325 | $19,095,000 | $58,000 | $417,000 | $45,000 | $397,000 |
| Refinancing | 310 | $17,588,000 | $56,000 | $1,500,000 | $47,000 | $397,000 |
| Home Improvement | 123 | $3,957,000 | $32,000 | $185,000 | $46,000 | $166,000 |
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 | 690 | $36,592,000 | $53,000 | $1,500,000 | $48,000 | $397,000 |
| Hispanic | 18 | $974,000 | $54,000 | $264,000 | $47,000 | $222,000 |
| Not applicable | 16 | $1,631,000 | $101,000 | $288,000 | $12,000 | $62,000 |
| American Indian or Alaskan Native | 15 | $501,000 | $33,000 | $72,000 | $33,000 | $58,000 |
| Not Provided | 9 | $421,000 | $46,000 | $82,000 | $40,000 | $69,000 |
| Black or African American | 8 | $324,000 | $40,000 | $95,000 | $24,000 | $59,000 |
| Asian | 2 | $197,000 | $98,000 | $127,000 | $17,000 | $21,000 |
| 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) | 755 | $40,493,000 | $53,000 | $1,500,000 | $46,000 | $397,000 |
| FHA-insured (Federal Housing Administration) | 2 | $130,000 | $65,000 | $70,000 | $30,000 | $32,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $17,000 | $17,000 | $17,000 | $20,000 | $20,000 |
| 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 | 596 | $30,893,000 | $51,000 | $447,000 | $46,000 | $397,000 |
| Application Denied By Financial Institution | 111 | $4,368,000 | $39,000 | $179,000 | $39,000 | $236,000 |
| Application Approved But Not Accepted | 27 | $3,663,000 | $135,000 | $1,500,000 | $79,000 | $397,000 |
| Application Withdrawn By Applicant | 23 | $1,680,000 | $73,000 | $260,000 | $39,000 | $109,000 |
| File Closed For Incompleteness | 1 | $36,000 | $36,000 | $36,000 | $17,000 | $17,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 72 | $2,467,000 | $34,000 | $175,000 | $42,000 | $236,000 |
| Debt-To-Income Ratio | 25 | $1,128,000 | $45,000 | $132,000 | $30,000 | $96,000 |
| Collateral | 7 | $421,000 | $60,000 | $179,000 | $43,000 | $91,000 |
| Other | 2 | $150,000 | $75,000 | $80,000 | $42,000 | $56,000 |
| Unverifiable Information | 2 | $91,000 | $45,000 | $81,000 | $31,000 | $38,000 |
| Employment History | 2 | $42,000 | $21,000 | $30,000 | $39,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $69,000 | $69,000 | $69,000 | $66,000 | $66,000 |
| 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 2006 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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