# Community National Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/community-national-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Community National Bank & Trust is a bank, headquartered in Chanute, KS, serving borrowers across 4 states, with 321 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300MUMD1WPCSXT518
- **Headquarters:** Chanute, KS
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AR, KS, MO, OK
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.691%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,323
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 321
- **Dollar Volume:** $56 million
- **Applications Received:** 453
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $173,349
- **Average Borrower Income:** $107,969
- **Average Property Value:** $260,639

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 279 | +0.731% | $1,271 | Sound ☺️ |
| VA | 58/100 | 16 | +0.075% | $1,860 | Sound ☺️ |
| USDA | 77/100 | 26 | +0.591% | $1,882 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 202 loans, Score: 49/100 (Sound)
- Refinance: 77 loans, Score: 56/100 (Sound)

**USDA:**
- Purchase: 26 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 242 | $47M | +0.592% | Sound ☺️ |
| Refinance | 53/100 | 79 | $9M | +0.981% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 196 | 0.65% | 83/100 |
| MO | 109 | 0.15% | 66/100 |
| OK | 14 | 0.03% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 249 | 70/100 |
| Wichita, KS | KS | 42 | 64/100 |
| Kansas City, MO | MO-KS | 13 | 45/100 |

## Where This Lender Ranks

Community National Bank & Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Kansas for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#20** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Community National Bank & Trust offer?

Community National Bank & Trust offers the following mortgage loan types: Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community National Bank & Trust offer mortgages?

Community National Bank & Trust offers mortgages in 4 states: AR, KS, MO, OK.

### How competitive are Community National Bank & Trust's mortgage rates?

Community National Bank & Trust has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.691% above market average.

### What type of lender is Community National Bank & Trust?

Community National Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Chanute, KS.

### What is Community National Bank & Trust's loan approval success rate?

Community National Bank & Trust has a pull-through score of 58/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-national-bank-trust

### How to Cite

> "Community National Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-national-bank-trust

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