Community National Bank & Trust Mortgage Rates, Fees & Info

Chanute, KS

LEI: 549300MUMD1WPCSXT518

Tax ID: 48-1038713

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Mortgage Data

Bank 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. Their top markets by origination volume include: Wichita, Winfield, Pittsburg, Coffeyville, and Joplin among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)

Community National Bank & Trust has an 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 11/21/24
30 Year Conventional Purchase 6.86% 11/21/24
30 Year Conventional Refi 6.76% 11/21/24
30 Year Cash-out Refi 6.83% 11/21/24
30 Year FHA Purchase 6.27% 11/21/24
30 Year VA Purchase 6.45% 11/21/24
30 Year USDA Purchase 7.45% 11/21/24
15 Year Conventional Purchase 6.55% 11/21/24
15 Year Conventional Refi 6.16% 11/21/24
15 Year Cash-out Refi 6.16% 11/21/24
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

716

Origination Dollar Volume (All Markets)

$70,230,000

Employee count

383 Show all (8) awards

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
WICHITA, KS (FHA|USDA|VA) 158 $16,860,000 $106,709 $1,487 5.52%
Outside of Metro Areas 183 $16,665,000 $91,066 $1,515 5.52%
Winfield, KS (FHA|USDA|VA) 93 $9,165,000 $98,548 $1,708 5.42%
Pittsburg, KS (FHA|USDA|VA) 80 $7,340,000 $91,750 $2,084 5.36%
Coffeyville, KS (FHA|USDA|VA) 83 $6,495,000 $78,253 $1,819 5.66%
JOPLIN, MO (FHA|USDA|VA) 24 $3,190,000 $132,917 $1,928 5.31%
Ponca City, OK (FHA|USDA|VA) 29 $2,875,000 $99,138 $2,802 5.00%
Emporia, KS (FHA|USDA|VA) 17 $2,595,000 $152,647 $1,959 4.95%
Parsons, KS (FHA|USDA|VA) 29 $1,825,000 $62,931 $2,044 5.43%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $655,000 $655,000 $0 4.80%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $470,000 $235,000 $2,347 4.56%
Stillwater, OK (FHA|USDA|VA) 2 $450,000 $225,000 $0 5.55%
TULSA, OK (FHA|USDA|VA) 3 $395,000 $131,667 $2,506 5.00%
Hutchinson, KS (FHA|USDA|VA) 4 $300,000 $75,000 $2,228 5.22%
Bartlesville, OK (FHA|USDA|VA) 3 $245,000 $81,667 $2,285 6.58%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.95%
Aberdeen, SD (FHA|USDA|VA) 1 $175,000 $175,000 $3,027 4.88%
MANHATTAN, KS (FHA|USDA|VA) 1 $145,000 $145,000 $1,753 5.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,083 4.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $65,000 $65,000 $3,696 5.25%
Community National Bank & Trust's top markets include Wichita, Winfield, Pittsburg, Coffeyville, and Joplin among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 716 $70,230,000 $98,087 $1,713 5.45%

    For 2018, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 716 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 417 $43,725,000 $104,856 $1,960 5.34%
    Refi 173 $16,455,000 $95,116 $883 5.72%
    Cash Out Refi 79 $8,045,000 $101,835 $1,499 5.30%
    Home Improvement 24 $890,000 $37,083 $926 5.83%
    Other 23 $1,115,000 $48,478 $962 5.73%

    For 2018, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 417 originations. The 2nd most popular reason was Refi, with 173 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 204 $27,760,000 $136,078 $2,172 4.95%
    5 Year 113 $9,295,000 $82,257 $263 5.62%
    15 Year 106 $7,290,000 $68,774 $1,490 5.45%
    20 Year 86 $8,190,000 $95,233 $1,663 5.43%
    Other 71 $4,855,000 $68,380 $541 6.03%
    3 Year 63 $5,825,000 $92,460 $0 5.76%
    1 Year 39 $4,535,000 $116,282 $1,660 5.78%
    10 Year 34 $2,480,000 $72,941 $832 5.84%

    For 2018, Community National Bank & Trust's most frequently cited loan duration was 30 Year, with 204 originations. The 2nd most popular length was 5 Year, with 113 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 388 $40,010,000 $103,119
    $1k-2k 16 $2,220,000 $138,750

    Community National Bank & Trust's average total fees were $2,172, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 388 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 310 $26,500,000 $85,484
    4-5% 257 $34,255,000 $133,288
    6-7% 120 $6,870,000 $57,250
    3-4% 16 $2,040,000 $127,500
    7-8% 10 $380,000 $38,000
    2.5-3% 1 $75,000 $75,000
    Over 8% 1 $5,000 $5,000

    During 2018, Community National Bank & Trust's average interest rate for loans was 4.95%, while their most frequently originated rate bucket for loans was 5-6%, with 310 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 472 $21,950,000 $46,504 $1,365 5.64%
    $100k-200k 171 $24,365,000 $142,485 $2,169 5.04%
    $200k-400k 59 $15,245,000 $258,390 $2,201 5.13%
    $400k-600k 7 $3,185,000 $455,000 $3,371 5.59%
    $600k-1MM 7 $5,485,000 $783,571 $2,126 5.18%

    2018 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 472 originations, totaling $21,950,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 166 $9,260,000 $55,783 $1,394 5.69%
    $50k-75k 117 $8,665,000 $74,060 $1,660 5.37%
    $75k-100k 89 $9,875,000 $110,955 $1,927 5.22%
    $100k-150k 85 $10,685,000 $125,706 $2,049 5.21%
    $150k-250k 35 $5,585,000 $159,571 $1,822 5.23%
    $250k+ 15 $4,055,000 $270,333 $2,149 4.97%

    Community National Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 166 originations. The second most popular income band? $50k-75k, with 117 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 136 $14,410,000 $105,956 $1,862 5.18%
    30-36% 98 $9,340,000 $95,306 $1,558 5.35%
    <20% 73 $5,815,000 $79,658 $1,691 5.31%
    36% 21 $2,295,000 $109,286 $1,953 5.21%
    37% 19 $1,575,000 $82,895 $1,386 5.61%
    39% 13 $1,475,000 $113,462 $2,166 4.96%
    38% 12 $1,210,000 $100,833 $1,796 5.12%
    40% 11 $2,505,000 $227,727 $2,056 5.12%
    >60% 10 $1,290,000 $129,000 $1,410 5.74%
    41% 7 $455,000 $65,000 $1,376 5.43%
    42% 6 $510,000 $85,000 $1,727 5.38%
    50-60% 5 $1,235,000 $247,000 $1,177 5.50%
    48% 3 $345,000 $115,000 $470 5.22%
    49% 1 $335,000 $335,000 $548 5.75%
    46% 1 $185,000 $185,000 $478 5.75%
    43% 1 $35,000 $35,000 $1,857 6.50%

    Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 136 originations. The next most common DTI ratio? 30-36%, with 98 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 573 $53,925,000 $94,110 $1,724 5.44%
    Not applicable 115 $14,165,000 $123,174 $0 5.46%
    Asian 10 $1,160,000 $116,000 $1,505 5.44%
    American Indian 11 $575,000 $52,273 $1,128 5.74%
    Not provided 3 $205,000 $68,333 $2,249 5.92%
    Black 4 $200,000 $50,000 $3,159 5.67%

    Approval Rates

    Total approvals of all applications
    89.95%

    Community National Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.19%

    Community National Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 716 $70,230,000 $98,087

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $175,000 $58,333
    Multifamily:Site-Built 51 $9,505,000 $186,373
    Single Family (1-4 Units):Manufactured 60 $2,720,000 $45,333
    Single Family (1-4 Units):Site-Built 602 $57,830,000 $96,063

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $4,450,000 $63,571 $885 5.70%
    40-60% 113 $10,605,000 $93,850 $1,629 5.59%
    60-80% 306 $33,940,000 $110,915 $1,719 5.48%
    80-100% 174 $18,120,000 $104,138 $2,023 5.23%
    Over 100% 2 $130,000 $65,000 $936 5.38%
    Under 20% 50 $2,880,000 $57,600 $507 5.42%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Community Loan Fund of New Jersey, Inc Conventional home mortgage Struggling to pay mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community National Bank & Trust 120 East Madison Iola, KS 66749 Full Service B&M $63,237
    Community National Bank & Trust 100 Delaware Edna, KS 67342 Full Service B&M $30,970
    Community National Bank & Trust 102 North 4th Neodesha, KS 66757 Full Service B&M $23,683
    Community National Bank & Trust 1109 Gulf Street Lamar, MO 64759 Full Service B&M $36,786
    Community National Bank & Trust 1112 Main Street Winfield, KS 67156 Full Service B&M $52,814
    Community National Bank & Trust 115 East First Chanute, KS 66720 Limited, Drive-thru $0
    Community National Bank & Trust 124 North Penn Independence, KS 67301 Limited, Drive-thru $0
    Community National Bank & Trust 125 N. Penn Independence, KS 67301 Full Service B&M $111,524
    Community National Bank & Trust 127 North Main Street Newton, KS 67114 Full Service B&M $13,631
    Community National Bank & Trust 14 North Lincoln Avenue Chanute, KS 66720 Full Service B&M $106,232
    Community National Bank & Trust 1440 Industrial Road Emporia, KS 66801 Full Service B&M $26,650
    Community National Bank & Trust 14500 Sw 20th Street Benton, KS 67017 Full Service B&M $8,653
    Community National Bank & Trust 1501 South Santa Fe Chanute, KS 66720 Limited, Drive-thru $0
    Community National Bank & Trust 1625 Hedges Plaza Nevada, MO 64772 Full Service B&M $52,452
    Community National Bank & Trust 207 North Washington Burns, KS 66840 Full Service B&M $6,455
    Community National Bank & Trust 2813 The Loop Carthage, MO 64836 Full Service B&M $8,558
    Community National Bank & Trust 2815 West Central El Dorado, KS 67042 Limited, Drive-thru $0
    Community National Bank & Trust 301 North Main Street El Dorado, KS 67042 Full Service B&M $51,949
    Community National Bank & Trust 330 North 16th St Parsons, KS 67357 Full Service B&M $19,807
    Community National Bank & Trust 333 West Main Cherryvale, KS 67335 Full Service B&M $26,719
    Community National Bank & Trust 401 East Centennial Pittsburg, KS 66762 Full Service B&M $53,128
    Community National Bank & Trust 401 East South Street Arma, KS 66712 Full Service B&M $14,771
    Community National Bank & Trust 401 North Main Eureka, KS 67045 Full Service B&M $35,146
    Community National Bank & Trust 4097 Parkview Drive Frontenac, KS 66763 Full Service B&M $21,068
    Community National Bank & Trust 500 North Summit Street Arkansas City, KS 67005 Full Service B&M $20,119
    Community National Bank & Trust 501 West 4th Caney, KS 67333 Full Service B&M $29,198
    Community National Bank & Trust 606 East St. John Girard, KS 66743 Full Service B&M $35,004
    Community National Bank & Trust 645 State Street Augusta, KS 67010 Full Service B&M $12,082
    Community National Bank & Trust 701 Merchant St Emporia, KS 66801 Full Service B&M $0
    Community National Bank & Trust 724 East Highway 54 El Dorado Springs, MO 64744 Full Service B&M $14,058
    Community National Bank & Trust 733 Madison Fredonia, KS 66736 Full Service B&M $17,718
    Community National Bank & Trust 901 East Prospect Avenue, Suite C Ponca City, OK 74601 Full Service B&M $267
    Community National Bank & Trust 901 W 11th Coffeyville, KS 67337 Full Service B&M $25,629
    Community National Bank & Trust Eighth And Osage Streets Humboldt, KS 66748 Full Service B&M $35,188

    For 2018, Community National Bank & Trust had 34 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $46,905
    Net interest income $39,855
    Total noninterest income $10,040
    Gross Fiduciary activities income $590
    Service charges on deposit accounts $2,644
    Trading account gains and fees $0
    Additional Noninterest Income $6,806
    Pre-tax net operating income $11,024
    Securities gains (or losses, -) $-5
    Income before extraordinary items $8,812
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $8,812
    Minority interest net income $0
    Net income $8,812
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $8,816

    Community National Bank & Trust's gross interest income from loans was $46,905,000.
    Community National Bank & Trust's net interest income from loans was $39,855,000.
    Community National Bank & Trust's fee based income from loans was $2,644,000.
    Community National Bank & Trust's net income from loans was $8,812,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $7,050
    Provision for credit losses $1,834
    Total noninterest expense $37,037
    Salaries and employee benefits $20,033
    Premises and equipment expense $6,464
    Additional noninterest expense $10,540
    Applicable income taxes $2,207
    Net charge-offs $759
    Cash dividends $12,750

    Community National Bank & Trust's interest expense for loans was $7,050,000.
    Community National Bank & Trust's payroll and benefits expense were $20,033,000.
    Community National Bank & Trust's property, plant and equipment expenses $6,464,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,016,718
    Deposits held in domestic offices $1,016,718
    Deposits by Individuals, partnerships, and corporations $878,721
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $136,035
    Deposits by Commercial banks and other depository institutions in U.S. $1,962
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $40,009
    Demand deposits $37,577
    Nontransaction accounts $976,709
    Money market deposit accounts (MMDAs) $64,127
    Other savings deposits (excluding MMDAs) $613,954
    Total time deposits $298,627
    Total time and savings deposits $979,141
    Noninterest-bearing deposits $177,076
    Interest-bearing deposits $839,642
    Retail deposits $968,026
    IRAs and Keogh plan accounts $24,881
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,201,916
    Cash & Balances due from depository institutions $88,355
    Interest-bearing balances $55,241
    Total securities $164,408
    Federal funds sold & reverse repurchase $5,528
    Net loans and leases $849,523
    Loan and leases loss allowance $10,505
    Trading account assets $0
    Bank premises and fixed assets $41,423
    Other real estate owned $5,290
    Goodwill and other intangibles $17,228
    All other assets $30,161

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,201,916
    Total Liabilities $1,087,706
    Total deposits $1,016,718
    Interest-bearing deposits $839,642
    Deposits held in domestic offices $1,016,718
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $43,015
    Trading liabilities $0
    Other borrowed funds $15,000
    Subordinated debt $0
    All other liabilities $12,973

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $849,523
    Loan and leases loss allowance $10,505
    Total loans and leases (domestic) $860,028
    All real estate loans $624,953
    Real estate loans in domestic offices $624,953
    Construction and development loans $29,825
    Residential 1-4 family construction $12,676
    Other construction, all land development and other land $17,149
    Loans secured by nonfarm nonresidential properties $218,253
    Nonfarm nonresidential secured by owner-occupied properties $133,758
    Commercial real estate & other non-farm, non-residential $84,495
    Multifamily residential real estate $25,677
    1-4 family residential loans $219,504
    Farmland loans $131,694
    Loans held in foreign offices $0
    Farm loans $68,933
    Commercial and industrial loans $97,510
    To non-U.S. addressees $0
    Loans to individuals $33,239
    Credit card loans $2,098
    Related Plans $588
    Consumer Auto Loans $22,043
    Other loans to individuals $8,510
    All other loans & leases $35,393
    Loans to foreign governments and official institutions $0
    Other loans $2,720
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,399
    Non 1-4 family restructured loans & leases $3,399
    Total loans and leases (foreign) $0

    Community National Bank & Trust had $849,523,000 of loans outstanding in 2018. $624,953,000 of loans were in real estate loans. $29,825,000 of loans were in development loans. $25,677,000 of loans were in multifamily mortgage loans. $219,504,000 of loans were in 1-4 family mortgage loans. $68,933,000 of loans were in farm loans. $2,098,000 of loans were in credit card loans. $22,043,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 673 $111,773 $166,082
    Nonfarm, nonresidential loans - <$100k 306 $11,610 $37,941
    Nonfarm, nonresidential loans - $100-250k 181 $23,158 $127,945
    Nonfarm, nonresidential loans - $250k-1MM 186 $77,005 $414,005
    Commercial & Industrial, US addressed loans - <$1MM 1,374 $84,289 $61,346
    Commercial & Industrial, US addressed loans - <$100k 1,076 $22,221 $20,651
    Commercial & Industrial, US addressed loans - $100-250k 144 $13,583 $94,326
    Commercial & Industrial, US addressed loans - $250k-1MM 154 $48,485 $314,838
    Farmland loans - <$1MM 699 $56,012 $80,132
    Farmland loans - <$100k 414 $15,021 $36,283
    Farmland loans - $100-250k 213 $23,464 $110,160
    Farmland loans - $250k-1MM 72 $17,527 $243,431
    Agriculture operations loans - <$1MM 1,373 $51,307 $37,369
    Agriculture operations loans - <$100k 1,183 $26,506 $22,406
    Agriculture operations loans - $100-250k 139 $14,621 $105,187
    Agriculture operations loans - $250k-1MM 51 $10,180 $199,608