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, Warrensburg, Pittsburg, Winfield, and Kansas City among others. We have data for 36 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 relatively high 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) | 6.72% | 4/16/25 |
| 30 Year Conventional Purchase | 7.37% | 4/16/25 |
| 30 Year Conventional Refi | 7.50% | 4/16/25 |
| 30 Year Cash-out Refi | 7.79% | 4/16/25 |
| 30 Year FHA Purchase | 6.72% | 4/16/25 |
| 30 Year VA Purchase | 6.78% | 4/16/25 |
| 30 Year VA Refi | 6.07% | 4/16/25 |
| 30 Year USDA Purchase | 7.45% | 4/16/25 |
| 15 Year Conventional Purchase | 6.99% | 4/16/25 |
| 15 Year Conventional Refi | 6.97% | 4/16/25 |
| 15 Year Cash-out Refi | 6.97% | 4/16/25 |
| 15 Year VA Purchase | 6.88% | 4/16/25 |
| 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
Estimated Loan Payment: Update the calculator values and click calculate payment!
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
1,199Origination Dollar Volume (All Markets)
$165,695,000Awards
Community National Bank & Trust - 2024
Community National Bank & Trust is a 2024 , due to their low .
For 2024, 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
7.2%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.65%.
Relative Fees (Closing Costs)
Community National Bank & Trust's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,505.
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 $8,356.
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 | 424 | $47,090,000 | $111,061 | $2,561 | 8.16% |
| WICHITA, KS (FHA|USDA|VA) | 249 | $40,145,000 | $161,225 | $2,883 | 8.30% |
| Warrensburg, MO (FHA|USDA|VA) | 35 | $11,745,000 | $335,571 | $3,702 | 7.76% |
| Pittsburg, KS (FHA|USDA|VA) | 74 | $11,070,000 | $149,595 | $3,268 | 8.32% |
| Winfield, KS (FHA|USDA|VA) | 86 | $9,950,000 | $115,698 | $2,906 | 8.62% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 29 | $9,855,000 | $339,828 | $3,308 | 7.82% |
| Coffeyville, KS (FHA|USDA|VA) | 108 | $8,920,000 | $82,593 | $2,558 | 8.43% |
| Parsons, KS (FHA|USDA|VA) | 36 | $3,910,000 | $108,611 | $2,746 | 8.30% |
| Emporia, KS (FHA|USDA|VA) | 37 | $3,375,000 | $91,216 | $2,578 | 8.60% |
| Ponca City, OK (FHA|USDA|VA) | 37 | $3,175,000 | $85,811 | $3,085 | 8.78% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 3 | $2,375,000 | $791,667 | $0 | 8.71% |
| JOPLIN, MO (FHA|USDA|VA) | 18 | $2,300,000 | $127,778 | $3,927 | 8.29% |
| Gainesville, TX (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $0 | 8.33% |
| TULSA, OK (FHA|USDA|VA) | 11 | $1,545,000 | $140,455 | $3,823 | 8.55% |
| Sedalia, MO (FHA|USDA|VA) | 11 | $1,235,000 | $112,273 | $1,324 | 8.05% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $11,161 | 7.63% |
| Hutchinson, KS (FHA|USDA|VA) | 6 | $630,000 | $105,000 | $2,219 | 8.24% |
| Bartlesville, OK (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $6,114 | 8.62% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $3,139 | 8.30% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.95% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.75% |
| Branson, MO (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,479 | 7.91% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,887 | 7.13% |
| Salina, KS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,427 | 7.35% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,272 | 7.88% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.85% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,593 | 8.00% |
| McPherson, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,681 | 6.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,867 | 6.50% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,353 | 7.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 8.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,922 | 6.13% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.85% |
| Marshall, MO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $86 | 7.58% |
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 2024, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 786 originations. Their 2nd most popular type was HELOC, with 369 originations.
Loan Reason
For 2024, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 503 originations. The 2nd most popular reason was Refi, with 310 originations.
Loan Duration/Length
For 2024, Community National Bank & Trust's most frequently cited loan duration was 30 Year, with 300 originations. The 2nd most popular length was 10 Year, with 274 originations.
Origination Fees/Closing Costs
Community National Bank & Trust's average total fees were $3,505, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 218 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 751 | $79,795,000 | $106,252 |
| 7-8% | 284 | $52,060,000 | $183,310 |
| 6-7% | 141 | $29,415,000 | $208,617 |
| 5-6% | 22 | $4,400,000 | $200,000 |
| <2.5% | 1 | $25,000 | $25,000 |
During 2024, Community National Bank & Trust's average interest rate for loans was 7.20%, while their most frequently originated rate bucket for loans was Over 8%, with 751 originations.
Loan Sizing
2024 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 689 originations, totaling $33,195,000 in origination value.
Applicant Income
Community National Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 215 originations. The second most popular income band? $50k or less, with 197 originations.
Applicant Debt to Income Ratio
Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 178 originations. The next most common DTI ratio? 30-36%, with 126 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.02%
Community National Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination85.99%
Community National Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 110.0 | 1 | $5,000 | $5,000 |
| 122.0 | 2 | $40,000 | $20,000 |
| 138.0 | 1 | $15,000 | $15,000 |
| NA | 1,195 | $165,635,000 | $138,607 |