Community National Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Community National Bank & Trust of Chanute, KS reported 1,410 mortgage applications totaling $177.1 million, down 7% from 2022. The average application was for $125,617, and applicants reported an average income of $103,496. 81% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Wichita, KS (292), Kansas City, MO-KS (47) and Joplin, MO (18) (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 | 1,410 |
| Total Mortgage Loan Application Amount | $177,120,000 |
| Average Mortgage Loan Application Amount | $125,617 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $103,496 |
| Highest Applicant Income | $2,232,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,031 | $ 114,785,000 | $ 111,333 | $ 93,904 |
| Wichita, KS | 292 | $ 45,220,000 | $ 154,863 | $ 132,000 |
| Kansas City, MO-KS | 47 | $ 9,045,000 | $ 192,446 | $ 148,319 |
| Joplin, MO | 18 | $ 2,270,000 | $ 126,111 | $ 133,000 |
| Springfield, MO | 4 | $ 540,000 | $ 135,000 | $ 81,000 |
| Tulsa, OK | 4 | $ 850,000 | $ 212,500 | $ 77,000 |
| Topeka, KS | 3 | $ 475,000 | $ 158,333 | $ 81,000 |
| Lawrence, KS | 2 | $ 310,000 | $ 155,000 | $ 162,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 345,000 | $ 345,000 | $ 137,000 |
| Florence-Muscle Shoals, AL | 1 | $ 185,000 | $ 185,000 | $ 263,000 |
| Fort Collins, CO | 1 | $ 305,000 | $ 305,000 | $ 247,000 |
| Idaho Falls, ID | 1 | $ 435,000 | $ 435,000 | $ 176,000 |
| Manhattan, KS | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Oklahoma City, OK | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 75,000 | $ 75,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2023
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 | 709 | $108,795,000 | $153,000 | $1,875,000 | $106,000 | $2,232,000 |
| Refinancing | 291 | $37,935,000 | $130,000 | $1,555,000 | $105,000 | $1,585,000 |
| Home Improvement | 185 | $9,785,000 | $52,000 | $315,000 | $91,000 | $318,000 |
| Cash-out Refinancing | 116 | $13,910,000 | $119,000 | $735,000 | $102,000 | $458,000 |
| Other Purpose | 109 | $6,695,000 | $61,000 | $325,000 | $106,000 | $735,000 |
| 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 | 1,003 | $115,155,000 | $114,000 | $1,605,000 | $102,000 | $1,585,000 |
| Not applicable | 217 | $39,095,000 | $180,000 | $1,875,000 | $0 | $0 |
| Hispanic | 73 | $6,285,000 | $86,000 | $505,000 | $83,000 | $318,000 |
| Not Provided | 65 | $7,195,000 | $110,000 | $455,000 | $113,000 | $852,000 |
| American Indian or Alaskan Native | 27 | $3,725,000 | $137,000 | $485,000 | $91,000 | $237,000 |
| Black or African American | 13 | $2,205,000 | $169,000 | $735,000 | $147,000 | $446,000 |
| Asian | 11 | $3,415,000 | $310,000 | $855,000 | $321,000 | $2,232,000 |
| 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) | 1,346 | $167,240,000 | $124,000 | $1,875,000 | $105,000 | $2,232,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $5,045,000 | $117,000 | $235,000 | $55,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 19 | $4,365,000 | $229,000 | $415,000 | $107,000 | $195,000 |
| FHA-insured (Federal Housing Administration) | 2 | $470,000 | $235,000 | $245,000 | $131,000 | $179,000 |
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 | 1,138 | $139,900,000 | $122,000 | $1,875,000 | $107,000 | $2,232,000 |
| Application Withdrawn By Applicant | 146 | $23,190,000 | $158,000 | $735,000 | $90,000 | $729,000 |
| Application Denied By Financial Institution | 87 | $8,585,000 | $98,000 | $455,000 | $78,000 | $852,000 |
| Application Approved But Not Accepted | 38 | $5,330,000 | $140,000 | $1,495,000 | $139,000 | $1,585,000 |
| Loan Purchased By The Institution | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,323 | $168,535,000 | $127,000 | $1,875,000 | $105,000 | $2,232,000 |
| Debt-To-Income Ratio | 46 | $5,300,000 | $115,000 | $455,000 | $50,000 | $162,000 |
| Credit History | 30 | $2,180,000 | $72,000 | $225,000 | $125,000 | $852,000 |
| Other | 5 | $465,000 | $93,000 | $245,000 | $78,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $295,000 | $98,000 | $155,000 | $54,000 | $70,000 |
| Collateral | 3 | $345,000 | $115,000 | $185,000 | $76,000 | $117,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2023 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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