Community National Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Community National Bank & Trust of Chanute, KS reported 1,110 mortgage applications totaling $63.9 million, down 10% from 2003. The average application was for $57,577, and applicants reported an average income of $37,290. 78% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Wichita, KS (55), Joplin, MO (14) and Beaumont-Port Arthur, TX (1) (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 | 1,110 |
| Total Mortgage Loan Application Amount | $63,911,000 |
| Average Mortgage Loan Application Amount | $57,577 |
| Highest Mortgage Loan Application Amount | $1,734,000 |
| Average Applicant Income | $37,290 |
| Highest Applicant Income | $403,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Community National Bank & Trust in 2004
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 | 525 | $30,604,000 | $47,200 | $825,000 | $42,000 | $333,000 |
| Refinancing | 396 | $26,818,000 | $74,666 | $1,734,000 | $47,666 | $403,000 |
| Home Improvement | 189 | $6,489,000 | $46,333 | $132,000 | $30,666 | $389,000 |
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 | 1,018 | $56,338,000 | $48,800 | $1,734,000 | $45,200 | $403,000 |
| Not applicable | 30 | $5,605,000 | $133,000 | $825,000 | $0 | $0 |
| American Indian or Alaskan Native | 24 | $850,000 | $49,333 | $182,000 | $29,666 | $68,000 |
| Hispanic | 23 | $669,000 | $29,000 | $110,000 | $27,000 | $64,000 |
| Not Provided | 11 | $362,000 | $44,500 | $59,000 | $29,500 | $78,000 |
| Black or African American | 4 | $87,000 | $21,000 | $63,000 | $41,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 1,107 | $63,751,000 | $49,400 | $1,734,000 | $42,800 | $403,000 |
| FHA-insured (Federal Housing Administration) | 2 | $80,000 | $40,000 | $50,000 | $20,000 | $27,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $80,000 | $80,000 | $80,000 | $49,000 | $49,000 |
| 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 | 869 | $53,124,000 | $48,250 | $1,734,000 | $44,250 | $403,000 |
| Application Denied By Financial Institution | 182 | $7,140,000 | $56,333 | $213,000 | $33,666 | $389,000 |
| Application Approved But Not Accepted | 30 | $1,957,000 | $49,666 | $152,000 | $64,333 | $137,000 |
| Application Withdrawn By Applicant | 24 | $1,411,000 | $52,500 | $138,000 | $39,000 | $90,000 |
| File Closed For Incompleteness | 5 | $279,000 | $55,000 | $135,000 | $38,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 120 | $4,504,000 | $68,333 | $213,000 | $35,333 | $85,000 |
| Debt-To-Income Ratio | 31 | $1,355,000 | $36,000 | $130,000 | $21,000 | $80,000 |
| Collateral | 12 | $536,000 | $44,000 | $150,000 | $69,000 | $389,000 |
| Employment History | 7 | $171,000 | $30,500 | $40,000 | $21,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $209,000 | $41,000 | $85,000 | $32,000 | $68,000 |
| Other | 3 | $100,000 | $33,000 | $56,000 | $20,000 | $28,000 |
| Mortgage Insurance Denied | 2 | $180,000 | $90,000 | $92,000 | $60,000 | $62,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $22,000 | $22,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $30,000 | $30,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2004 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.
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