Community National Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Community National Bank & Trust of Chanute, KS reported 1,230 mortgage applications totaling $159.3 million, up 16% from 2019. The average application was for $129,544, and applicants reported an average income of $89,615. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Wichita, KS (246), Joplin, MO (29) and Kansas City, MO-KS (17) (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 | 1,230 |
| Total Mortgage Loan Application Amount | $159,340,000 |
| Average Mortgage Loan Application Amount | $129,544 |
| Highest Mortgage Loan Application Amount | $2,415,000 |
| Average Applicant Income | $89,615 |
| Highest Applicant Income | $970,000 |
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records Community National Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 622 | $75,330,000 | $121,000 | $2,415,000 | $84,000 | $513,000 |
| Refinancing | 278 | $44,200,000 | $158,000 | $1,635,000 | $101,000 | $740,000 |
| Cash-out Refinancing | 270 | $36,850,000 | $136,000 | $725,000 | $95,000 | $970,000 |
| Home Improvement | 39 | $1,335,000 | $34,000 | $125,000 | $67,000 | $422,000 |
| Other Purpose | 21 | $1,625,000 | $77,000 | $275,000 | $78,000 | $360,000 |
| 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 | 963 | $114,405,000 | $118,000 | $1,555,000 | $91,000 | $970,000 |
| Not applicable | 152 | $30,360,000 | $199,000 | $2,415,000 | $0 | $0 |
| Hispanic | 43 | $4,155,000 | $96,000 | $255,000 | $56,000 | $111,000 |
| Not Provided | 37 | $4,935,000 | $133,000 | $505,000 | $79,000 | $187,000 |
| American Indian or Alaskan Native | 19 | $2,465,000 | $129,000 | $355,000 | $86,000 | $323,000 |
| Asian | 8 | $1,620,000 | $202,000 | $385,000 | $112,000 | $242,000 |
| Black or African American | 4 | $390,000 | $97,000 | $155,000 | $73,000 | $152,000 |
| 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) | 1,213 | $156,805,000 | $129,000 | $2,415,000 | $89,000 | $970,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,660,000 | $166,000 | $505,000 | $88,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $875,000 | $125,000 | $435,000 | $62,000 | $155,000 |
| 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 | 927 | $116,605,000 | $125,000 | $2,415,000 | $93,000 | $970,000 |
| Application Withdrawn By Applicant | 191 | $28,895,000 | $151,000 | $515,000 | $90,000 | $740,000 |
| Application Denied By Financial Institution | 94 | $11,070,000 | $117,000 | $505,000 | $61,000 | $179,000 |
| Application Approved But Not Accepted | 11 | $2,415,000 | $219,000 | $1,225,000 | $104,000 | $300,000 |
| File Closed For Incompleteness | 7 | $355,000 | $50,000 | $65,000 | $67,000 | $122,000 |
| 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 | 1,136 | $148,270,000 | $130,000 | $2,415,000 | $92,000 | $970,000 |
| Credit History | 44 | $4,360,000 | $99,000 | $505,000 | $65,000 | $176,000 |
| Debt-To-Income Ratio | 38 | $4,980,000 | $131,000 | $355,000 | $56,000 | $179,000 |
| Collateral | 10 | $1,480,000 | $148,000 | $405,000 | $71,000 | $179,000 |
| Other | 2 | $250,000 | $125,000 | $175,000 | $31,000 | $45,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community National Bank & Trust's 2020 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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