Community National Bank & Trust Mortgage Rates, Fees & InfoChanute, KS
Tax ID: 48-1038713
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewCommunity National Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Community National Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Pittsburg, Winfield, Joplin, and Coffeyville among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)
Community National Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Community National Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|Home Equity Line of Credit (HELOC)||6.27%||9/18/23|
|30 Year Conventional Purchase||6.86%||9/18/23|
|30 Year Conventional Refi||6.76%||9/18/23|
|30 Year Cash-out Refi||6.83%||9/18/23|
|30 Year FHA Purchase||6.27%||9/18/23|
|30 Year VA Purchase||6.45%||9/18/23|
|30 Year USDA Purchase||7.45%||9/18/23|
|15 Year Conventional Purchase||6.55%||9/18/23|
|15 Year Conventional Refi||6.16%||9/18/23|
|15 Year Cash-out Refi||6.16%||9/18/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Community National Bank & Trust Mortgage Calculator
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This is not an official calculator from Community National Bank & Trust. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$164,155,000
Community National Bank & Trust - 2022
Community National Bank & Trust is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Community National Bank & Trust's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.35%.
Relative Fees (Closing Costs)
Community National Bank & Trust's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,493.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|Outside of Metro Areas||422||$49,420,000||$117,109||$1,669||5.23%|
|WICHITA, KS (FHA|USDA|VA)||292||$41,170,000||$140,993||$2,336||5.32%|
|Pittsburg, KS (FHA|USDA|VA)||82||$15,660,000||$190,976||$2,317||5.25%|
|Winfield, KS (FHA|USDA|VA)||139||$15,205,000||$109,388||$2,468||5.56%|
|JOPLIN, MO (FHA|USDA|VA)||28||$9,290,000||$331,786||$2,556||5.58%|
|Coffeyville, KS (FHA|USDA|VA)||112||$8,250,000||$73,661||$1,998||5.55%|
|KANSAS CITY, MO-KS (FHA|USDA|VA)||19||$5,085,000||$267,632||$3,603||5.00%|
|Ponca City, OK (FHA|USDA|VA)||58||$4,670,000||$80,517||$2,573||5.59%|
|Emporia, KS (FHA|USDA|VA)||26||$3,120,000||$120,000||$1,914||5.28%|
|Parsons, KS (FHA|USDA|VA)||18||$1,900,000||$105,556||$3,281||5.60%|
|Warrensburg, MO (FHA|USDA|VA)||11||$1,635,000||$148,636||$4,034||6.29%|
|Hutchinson, KS (FHA|USDA|VA)||7||$1,045,000||$149,286||$1,696||5.59%|
|CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)||1||$985,000||$985,000||$0||3.38%|
|Sedalia, MO (FHA|USDA|VA)||8||$890,000||$111,250||$1,003||5.27%|
|Bartlesville, OK (FHA|USDA|VA)||5||$675,000||$135,000||$3,727||5.53%|
|MANHATTAN, KS (FHA|USDA|VA)||1||$675,000||$675,000||$3,818||5.85%|
|McPherson, KS (FHA|USDA|VA)||3||$545,000||$181,667||$3,898||6.12%|
|SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA)||1||$505,000||$505,000||$0||6.50%|
|TULSA, OK (FHA|USDA|VA)||5||$445,000||$89,000||$3,890||6.00%|
|SPRINGFIELD, MO (FHA|USDA|VA)||1||$395,000||$395,000||$2,948||5.39%|
|Gainesville, TX (FHA|USDA|VA)||1||$385,000||$385,000||$0||5.68%|
|FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA)||1||$385,000||$385,000||$0||5.25%|
|ENID, OK (FHA|USDA|VA)||3||$295,000||$98,333||$2,959||4.71%|
|Stillwater, OK (FHA|USDA|VA)||1||$285,000||$285,000||$0||4.50%|
|TOPEKA, KS (FHA|USDA|VA)||2||$280,000||$140,000||$0||5.13%|
|OCEAN CITY, NJ (FHA|USDA|VA)||1||$275,000||$275,000||$0||5.75%|
|JEFFERSON CITY, MO (FHA|USDA|VA)||1||$225,000||$225,000||$0||4.69%|
|Miami, OK (FHA|USDA|VA)||1||$185,000||$185,000||$3,857||5.13%|
|Fort Leonard Wood, MO (FHA|USDA|VA)||1||$135,000||$135,000||$3,075||4.88%|
|Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA)||1||$125,000||$125,000||$4,650||5.50%|
|Branson, MO (FHA|USDA|VA)||1||$15,000||$15,000||$0||4.29%|
We use machine learning to identify the top lenders compared against Community National Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 977 originations. Their 2nd most popular type was HELOC, with 274 originations.
For 2022, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 567 originations. The 2nd most popular reason was Refi, with 315 originations.
For 2022, Community National Bank & Trust's most frequently cited loan duration was 30 Year, with 315 originations. The 2nd most popular length was 10 Year, with 247 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Community National Bank & Trust's average total fees were $2,493, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 435 originations.
During 2022, Community National Bank & Trust's average interest rate for loans was 5.11%, while their most frequently originated rate bucket for loans was 4-5%, with 469 originations.
2022 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 734 originations, totaling $35,220,000 in origination value.
Community National Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 250 originations. The second most popular income band? $50k-75k, with 193 originations.
Applicant Debt to Income Ratio
Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 219 originations. The next most common DTI ratio? <20%, with 152 originations.
Approval RatesTotal approvals of all applications
Community National Bank & Trust has an average approval rate.
Pick RateApprovals leading to origination
Community National Bank & Trust has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|
|Bank Name||Product||Issue||2022 CPFB Complaints||% of Total Issues|
|Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)||FHA mortgage||Struggling to pay mortgage||2||66.7%|
|Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)||Other type of mortgage||Trouble during payment process||1||33.3%|