Community National Bank & Trust Mortgage Lending & HMDA Data, 2019
In 2019, Community National Bank & Trust of Chanute, KS reported 1,056 mortgage applications totaling $119.9 million, up 9% from 2018. The average application was for $113,541, and applicants reported an average income of $95,961. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Wichita, KS (200), Joplin, MO (37) and Kansas City, MO-KS (14) (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 | 1,056 |
| Total Mortgage Loan Application Amount | $119,900,000 |
| Average Mortgage Loan Application Amount | $113,541 |
| Highest Mortgage Loan Application Amount | $3,655,000 |
| Average Applicant Income | $95,961 |
| Highest Applicant Income | $1,447,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 783 | $ 73,685,000 | $ 94,106 | $ 86,266 |
| Wichita, KS | 200 | $ 28,920,000 | $ 144,600 | $ 108,000 |
| Joplin, MO | 37 | $ 6,125,000 | $ 165,540 | $ 154,000 |
| Kansas City, MO-KS | 14 | $ 6,420,000 | $ 458,571 | $ 176,142 |
| Tulsa, OK | 9 | $ 1,955,000 | $ 217,222 | $ 98,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 710,000 | $ 355,000 | $ 174,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 650,000 | $ 325,000 | $ 200,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 350,000 | $ 175,000 | $ 68,000 |
| Topeka, KS | 2 | $ 230,000 | $ 115,000 | $ 102,000 |
| Brownsville-Harlingen, TX | 1 | $ 265,000 | $ 265,000 | $ 307,000 |
| Enid, OK | 1 | $ 195,000 | $ 195,000 | $ 175,000 |
| Lawrence, KS | 1 | $ 105,000 | $ 105,000 | $ 131,000 |
| Mansfield, OH | 1 | $ 235,000 | $ 235,000 | $ 138,000 |
| Springfield, MO | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2019
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 | 604 | $69,690,000 | $115,000 | $875,000 | $93,000 | $1,203,000 |
| Refinancing | 218 | $28,760,000 | $131,000 | $3,655,000 | $108,000 | $1,447,000 |
| Cash-out Refinancing | 168 | $18,230,000 | $108,000 | $485,000 | $101,000 | $1,209,000 |
| Home Improvement | 47 | $1,865,000 | $39,000 | $215,000 | $65,000 | $149,000 |
| Other Purpose | 19 | $1,355,000 | $71,000 | $185,000 | $84,000 | $292,000 |
| 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 | 851 | $92,095,000 | $108,000 | $825,000 | $97,000 | $1,447,000 |
| Not applicable | 115 | $17,885,000 | $155,000 | $3,655,000 | $0 | $0 |
| Hispanic | 42 | $3,070,000 | $73,000 | $245,000 | $77,000 | $797,000 |
| Not Provided | 17 | $2,865,000 | $168,000 | $565,000 | $84,000 | $300,000 |
| Asian | 12 | $2,180,000 | $181,000 | $465,000 | $74,000 | $178,000 |
| American Indian or Alaskan Native | 11 | $905,000 | $82,000 | $145,000 | $84,000 | $177,000 |
| Black or African American | 5 | $445,000 | $89,000 | $165,000 | $58,000 | $112,000 |
| 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) | 1,029 | $117,095,000 | $113,000 | $3,655,000 | $97,000 | $1,447,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,770,000 | $126,000 | $325,000 | $65,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,035,000 | $79,000 | $145,000 | $40,000 | $71,000 |
| 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 | 766 | $84,680,000 | $110,000 | $3,655,000 | $106,000 | $1,447,000 |
| Application Withdrawn By Applicant | 160 | $23,370,000 | $146,000 | $565,000 | $92,000 | $420,000 |
| Application Denied By Financial Institution | 108 | $10,360,000 | $95,000 | $465,000 | $56,000 | $215,000 |
| Application Approved But Not Accepted | 18 | $1,020,000 | $56,000 | $155,000 | $53,000 | $123,000 |
| File Closed For Incompleteness | 4 | $470,000 | $117,000 | $265,000 | $81,000 | $133,000 |
| 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 | 948 | $109,540,000 | $115,000 | $3,655,000 | $101,000 | $1,447,000 |
| Credit History | 48 | $4,510,000 | $93,000 | $465,000 | $59,000 | $135,000 |
| Debt-To-Income Ratio | 40 | $4,580,000 | $114,000 | $375,000 | $60,000 | $215,000 |
| Collateral | 9 | $595,000 | $66,000 | $105,000 | $51,000 | $99,000 |
| Other | 5 | $275,000 | $55,000 | $145,000 | $21,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $305,000 | $61,000 | $135,000 | $42,000 | $75,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 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 2019 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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