Community National Bank & Trust Mortgage Lending & HMDA Data, 2018
In 2018, Community National Bank & Trust of Chanute, KS reported 965 mortgage applications totaling $103.0 million, down 9% from 2017. The average application was for $106,751, and applicants reported an average income of $80,918. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Wichita, KS (204), Joplin, MO (38) and Kansas City, MO-KS (6) (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 | 965 |
| Total Mortgage Loan Application Amount | $103,015,000 |
| Average Mortgage Loan Application Amount | $106,751 |
| Highest Mortgage Loan Application Amount | $1,455,000 |
| Average Applicant Income | $80,918 |
| Highest Applicant Income | $743,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 703 | $ 66,695,000 | $ 94,871 | $ 77,676 |
| Wichita, KS | 204 | $ 27,010,000 | $ 132,401 | $ 91,000 |
| Joplin, MO | 38 | $ 5,740,000 | $ 151,052 | $ 96,000 |
| Kansas City, MO-KS | 6 | $ 1,300,000 | $ 216,666 | $ 126,000 |
| Tulsa, OK | 4 | $ 560,000 | $ 140,000 | $ 185,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 160,000 | $ 80,000 | $ 128,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Cincinnati, OH-KY-IN | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Enid, OK | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Manhattan, KS | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Springfield, MO | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2018
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 | 590 | $67,770,000 | $114,000 | $965,000 | $85,000 | $743,000 |
| Refinancing | 198 | $20,530,000 | $103,000 | $1,455,000 | $74,000 | $205,000 |
| Cash-out Refinancing | 123 | $12,275,000 | $99,000 | $995,000 | $76,000 | $423,000 |
| Home Improvement | 28 | $980,000 | $35,000 | $95,000 | $57,000 | $151,000 |
| Other Purpose | 26 | $1,460,000 | $56,000 | $305,000 | $90,000 | $458,000 |
| 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 | 760 | $79,610,000 | $104,000 | $995,000 | $84,000 | $743,000 |
| Not applicable | 117 | $15,665,000 | $133,000 | $1,455,000 | $0 | $0 |
| Hispanic | 44 | $2,810,000 | $63,000 | $185,000 | $43,000 | $123,000 |
| American Indian or Alaskan Native | 16 | $960,000 | $60,000 | $185,000 | $74,000 | $185,000 |
| Asian | 12 | $1,760,000 | $146,000 | $335,000 | $86,000 | $176,000 |
| Black or African American | 8 | $1,370,000 | $171,000 | $555,000 | $84,000 | $173,000 |
| Not Provided | 8 | $840,000 | $105,000 | $275,000 | $81,000 | $127,000 |
| 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) | 948 | $100,880,000 | $106,000 | $1,455,000 | $82,000 | $743,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,135,000 | $125,000 | $605,000 | $88,000 | $458,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 716 | $70,230,000 | $98,000 | $995,000 | $84,000 | $743,000 |
| Application Withdrawn By Applicant | 137 | $20,865,000 | $152,000 | $605,000 | $83,000 | $425,000 |
| Application Denied By Financial Institution | 97 | $10,495,000 | $108,000 | $1,455,000 | $66,000 | $458,000 |
| Application Approved But Not Accepted | 12 | $1,030,000 | $85,000 | $235,000 | $70,000 | $130,000 |
| File Closed For Incompleteness | 3 | $395,000 | $131,000 | $175,000 | $114,000 | $172,000 |
| 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 | 868 | $92,520,000 | $106,000 | $995,000 | $84,000 | $743,000 |
| Debt-To-Income Ratio | 44 | $4,680,000 | $106,000 | $275,000 | $56,000 | $305,000 |
| Credit History | 36 | $2,990,000 | $83,000 | $305,000 | $72,000 | $185,000 |
| Collateral | 8 | $640,000 | $80,000 | $265,000 | $56,000 | $126,000 |
| Other | 4 | $1,740,000 | $435,000 | $1,455,000 | $198,000 | $458,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $185,000 | $58,000 | $71,000 |
| Employment History | 2 | $100,000 | $50,000 | $65,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
| 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 2018 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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