Community National Bank & Trust Mortgage Rates, Fees & Info
Chanute, KSLEI: 549300MUMD1WPCSXT518
Tax ID: 48-1038713
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Mortgage Data
Review & Overview
Community 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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SimulatedRates™Mortgage Type |
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
Your Estimates
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This is not an official calculator from Community National Bank & Trust. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,253Origination Dollar Volume (All Markets)
$164,155,000Awards
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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Relative Rate
Community National Bank & Trust's average 30 year fixed mortgage rate was
5.11%.
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.
Top Markets
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% |
Similar Lenders
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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Product Mix
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.
Loan Reason
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.
Loan Duration/Length
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
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.
Interest Rates
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.
Loan Sizing
2022 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 734 originations, totaling $35,220,000 in origination value.
Applicant Income
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.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.96%
Community National Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination86.83%
Community National Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 100.0 | 1 | $45,000 | $45,000 |
| 104.0 | 3 | $75,000 | $25,000 |
| 114.0 | 1 | $75,000 | $75,000 |
| 139.0 | 1 | $55,000 | $55,000 |
| 89.0 | 1 | $15,000 | $15,000 |
| NA | 1,246 | $163,890,000 | $131,533 |
LTV Distribution
Complaints
| 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% |