Community National Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Community National Bank & Trust of Chanute, KS reported 1,403 mortgage applications totaling $183.6 million, up 14% from 2020. The average application was for $130,858, and applicants reported an average income of $91,372. 76% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Wichita, KS (252), Joplin, MO (38) and Kansas City, MO-KS (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 | 1,403 |
| Total Mortgage Loan Application Amount | $183,595,000 |
| Average Mortgage Loan Application Amount | $130,858 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $91,372 |
| Highest Applicant Income | $1,020,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,059 | $ 127,765,000 | $ 120,646 | $ 85,913 |
| Wichita, KS | 252 | $ 33,160,000 | $ 131,587 | $ 101,000 |
| Joplin, MO | 38 | $ 7,490,000 | $ 197,105 | $ 111,000 |
| Kansas City, MO-KS | 21 | $ 4,395,000 | $ 209,285 | $ 130,000 |
| Springfield, MO | 4 | $ 730,000 | $ 182,500 | $ 86,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,105,000 | $ 368,333 | $ 149,000 |
| Manhattan, KS | 3 | $ 775,000 | $ 258,333 | $ 96,000 |
| Tulsa, OK | 3 | $ 345,000 | $ 115,000 | $ 95,000 |
| Austin-Round Rock, TX | 2 | $ 1,080,000 | $ 540,000 | $ 271,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 2,060,000 | $ 1,030,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Oklahoma City, OK | 2 | $ 280,000 | $ 140,000 | $ 134,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 400,000 | $ 200,000 | $ 236,000 |
| Topeka, KS | 2 | $ 770,000 | $ 385,000 | $ 176,000 |
| Bloomington, IN | 1 | $ 1,045,000 | $ 1,045,000 | $ 616,000 |
| Cape Girardeau, MO-IL | 1 | $ 165,000 | $ 165,000 | $ 30,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 365,000 | $ 365,000 | $ 138,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 155,000 | $ 155,000 | $ 1,020,000 |
| Jefferson City, MO | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Mansfield, OH | 1 | $ 295,000 | $ 295,000 | $ 140,000 |
| Tuscaloosa, AL | 1 | $ 285,000 | $ 285,000 | $ 11,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2021
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 | 697 | $95,015,000 | $136,000 | $1,505,000 | $88,000 | $788,000 |
| Refinancing | 388 | $45,820,000 | $118,000 | $1,185,000 | $97,000 | $1,020,000 |
| Cash-out Refinancing | 275 | $39,715,000 | $144,000 | $795,000 | $95,000 | $399,000 |
| Home Improvement | 29 | $1,825,000 | $62,000 | $255,000 | $60,000 | $132,000 |
| Other Purpose | 14 | $1,220,000 | $87,000 | $285,000 | $97,000 | $345,000 |
| 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 | 1,108 | $139,390,000 | $125,000 | $1,505,000 | $91,000 | $1,020,000 |
| Not applicable | 166 | $27,320,000 | $164,000 | $1,365,000 | $0 | $0 |
| Not Provided | 46 | $6,950,000 | $151,000 | $445,000 | $112,000 | $455,000 |
| Hispanic | 46 | $3,870,000 | $84,000 | $235,000 | $67,000 | $182,000 |
| American Indian or Alaskan Native | 26 | $3,800,000 | $146,000 | $505,000 | $91,000 | $399,000 |
| Asian | 7 | $1,715,000 | $245,000 | $525,000 | $199,000 | $644,000 |
| Black or African American | 4 | $550,000 | $137,000 | $365,000 | $82,000 | $138,000 |
| 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) | 1,402 | $183,520,000 | $130,000 | $1,505,000 | $92,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 1 | $75,000 | $75,000 | $75,000 | $22,000 | $22,000 |
| 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 | 1,072 | $137,950,000 | $128,000 | $1,505,000 | $91,000 | $788,000 |
| Application Withdrawn By Applicant | 193 | $28,925,000 | $149,000 | $525,000 | $99,000 | $644,000 |
| Application Denied By Financial Institution | 114 | $13,720,000 | $120,000 | $485,000 | $80,000 | $1,020,000 |
| Application Approved But Not Accepted | 22 | $2,640,000 | $120,000 | $605,000 | $95,000 | $277,000 |
| File Closed For Incompleteness | 2 | $360,000 | $180,000 | $205,000 | $154,000 | $220,000 |
| 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 | 1,289 | $169,875,000 | $131,000 | $1,505,000 | $93,000 | $788,000 |
| Credit History | 55 | $5,875,000 | $106,000 | $485,000 | $72,000 | $285,000 |
| Debt-To-Income Ratio | 40 | $5,470,000 | $136,000 | $395,000 | $73,000 | $193,000 |
| Collateral | 9 | $855,000 | $95,000 | $175,000 | $176,000 | $1,020,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,235,000 | $176,000 | $445,000 | $36,000 | $60,000 |
| Other | 2 | $240,000 | $120,000 | $215,000 | $88,000 | $157,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $134,000 | $134,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2021 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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