Community National Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, Community National Bank & Trust of Chanute, KS reported 844 mortgage applications totaling $61.3 million, down 1% from 2008. The average application was for $72,655, and applicants reported an average income of $52,331. 79% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Wichita, KS (46), Joplin, MO (7) and Kansas City, MO-KS (3) (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 | 844 |
| Total Mortgage Loan Application Amount | $61,321,000 |
| Average Mortgage Loan Application Amount | $72,655 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $52,331 |
| Highest Applicant Income | $767,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 380 | $31,204,000 | $82,000 | $1,500,000 | $54,000 | $752,000 |
| Home Purchase | 292 | $22,295,000 | $76,000 | $1,260,000 | $48,000 | $767,000 |
| Home Improvement | 172 | $7,822,000 | $45,000 | $306,000 | $56,000 | $252,000 |
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 | 747 | $46,865,000 | $62,000 | $709,000 | $56,000 | $767,000 |
| Not applicable | 48 | $10,089,000 | $210,000 | $1,500,000 | $3,000 | $93,000 |
| Hispanic | 17 | $811,000 | $47,000 | $136,000 | $54,000 | $112,000 |
| Not Provided | 14 | $2,676,000 | $191,000 | $1,260,000 | $68,000 | $231,000 |
| American Indian or Alaskan Native | 10 | $473,000 | $47,000 | $160,000 | $35,000 | $79,000 |
| Black or African American | 5 | $177,000 | $35,000 | $66,000 | $65,000 | $112,000 |
| Asian | 3 | $230,000 | $76,000 | $150,000 | $43,000 | $63,000 |
| 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) | 843 | $61,291,000 | $72,000 | $1,500,000 | $53,000 | $767,000 |
| FHA-insured (Federal Housing Administration) | 1 | $30,000 | $30,000 | $30,000 | $24,000 | $24,000 |
| 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 | 666 | $43,408,000 | $65,000 | $984,000 | $54,000 | $767,000 |
| Application Denied By Financial Institution | 111 | $11,087,000 | $99,000 | $1,500,000 | $47,000 | $231,000 |
| Application Approved But Not Accepted | 35 | $4,315,000 | $123,000 | $1,260,000 | $57,000 | $218,000 |
| Application Withdrawn By Applicant | 28 | $2,310,000 | $82,000 | $356,000 | $53,000 | $194,000 |
| File Closed For Incompleteness | 4 | $201,000 | $50,000 | $86,000 | $17,000 | $29,000 |
| 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 | 61 | $4,051,000 | $66,000 | $220,000 | $52,000 | $130,000 |
| Debt-To-Income Ratio | 33 | $6,066,000 | $183,000 | $1,500,000 | $36,000 | $231,000 |
| Collateral | 14 | $889,000 | $63,000 | $143,000 | $55,000 | $157,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $37,000 | $37,000 |
| Employment History | 1 | $11,000 | $11,000 | $11,000 | $14,000 | $14,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $15,000 | $15,000 | $15,000 | $34,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2009 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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