Community National Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Community National Bank & Trust of Chanute, KS reported 1,523 mortgage applications totaling $200.9 million, up 9% from 2021. The average application was for $131,927, and applicants reported an average income of $103,155. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Wichita, KS (329), Joplin, MO (33) and Kansas City, MO-KS (25) (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 | $200,925,000 |
| Average Mortgage Loan Application Amount | $131,927 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $103,155 |
| Highest Applicant Income | $2,390,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,114 | $ 129,380,000 | $ 116,140 | $ 95,419 |
| Wichita, KS | 329 | $ 47,045,000 | $ 142,993 | $ 130,000 |
| Joplin, MO | 33 | $ 9,905,000 | $ 300,151 | $ 124,000 |
| Kansas City, MO-KS | 25 | $ 8,725,000 | $ 349,000 | $ 116,720 |
| Tulsa, OK | 7 | $ 985,000 | $ 140,714 | $ 153,000 |
| Enid, OK | 3 | $ 295,000 | $ 98,333 | $ 74,000 |
| Manhattan, KS | 2 | $ 1,350,000 | $ 675,000 | $ 351,000 |
| Topeka, KS | 2 | $ 280,000 | $ 140,000 | $ 206,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 385,000 | $ 385,000 | $ 171,000 |
| Jefferson City, MO | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Ocean City, NJ | 1 | $ 275,000 | $ 275,000 | $ 554,000 |
| San Diego-Carlsbad, CA | 1 | $ 505,000 | $ 505,000 | $ 317,000 |
| Springfield, MO | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2022
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 | 714 | $116,800,000 | $163,000 | $4,505,000 | $109,000 | $1,352,000 |
| Refinancing | 348 | $44,910,000 | $129,000 | $2,385,000 | $92,000 | $1,848,000 |
| Cash-out Refinancing | 193 | $24,105,000 | $124,000 | $645,000 | $92,000 | $334,000 |
| Home Improvement | 163 | $7,075,000 | $43,000 | $275,000 | $96,000 | $516,000 |
| Other Purpose | 105 | $8,035,000 | $76,000 | $785,000 | $132,000 | $2,390,000 |
| 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 | 1,153 | $134,385,000 | $116,000 | $1,005,000 | $104,000 | $2,390,000 |
| Not applicable | 219 | $50,315,000 | $229,000 | $4,505,000 | $0 | $0 |
| Not Provided | 59 | $6,725,000 | $113,000 | $585,000 | $107,000 | $398,000 |
| Hispanic | 46 | $4,660,000 | $101,000 | $455,000 | $89,000 | $276,000 |
| American Indian or Alaskan Native | 20 | $2,000,000 | $100,000 | $275,000 | $102,000 | $664,000 |
| Black or African American | 15 | $1,635,000 | $109,000 | $305,000 | $93,000 | $262,000 |
| Asian | 9 | $805,000 | $89,000 | $195,000 | $81,000 | $146,000 |
| 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) | 1,517 | $199,965,000 | $131,000 | $4,505,000 | $104,000 | $2,390,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $285,000 | $95,000 | $115,000 | $44,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 2 | $370,000 | $185,000 | $185,000 | $97,000 | $109,000 |
| FHA-insured (Federal Housing Administration) | 1 | $305,000 | $305,000 | $305,000 | $165,000 | $165,000 |
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 | 1,253 | $164,155,000 | $131,000 | $4,505,000 | $107,000 | $2,390,000 |
| Application Withdrawn By Applicant | 127 | $20,245,000 | $159,000 | $2,385,000 | $108,000 | $780,000 |
| Application Denied By Financial Institution | 92 | $10,010,000 | $108,000 | $605,000 | $74,000 | $336,000 |
| Application Approved But Not Accepted | 38 | $5,280,000 | $138,000 | $675,000 | $86,000 | $351,000 |
| File Closed For Incompleteness | 13 | $1,235,000 | $95,000 | $245,000 | $66,000 | $203,000 |
| 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 | 1,431 | $190,915,000 | $133,000 | $4,505,000 | $106,000 | $2,390,000 |
| Credit History | 43 | $4,615,000 | $107,000 | $385,000 | $76,000 | $336,000 |
| Debt-To-Income Ratio | 32 | $4,290,000 | $134,000 | $605,000 | $64,000 | $228,000 |
| Collateral | 13 | $735,000 | $56,000 | $115,000 | $97,000 | $312,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $125,000 | $67,000 | $97,000 |
| Other | 1 | $65,000 | $65,000 | $65,000 | $22,000 | $22,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $46,000 | $46,000 |
| 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 2022 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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