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CNBT

Community National Bank & Trust

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Community National Bank & Trust has 321 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · VA · USDA
Place
Sound
3/5
Regional · 2 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 69 basis points above market average

Explore another lender or local market

Report Card

Community National Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+69.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume279
Mix86.9%
Spread
+0.731%Above
Fees
$1,271Fees
VA Loans
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume16
Mix5.0%
Spread
+0.075%Above
Fees
$1,860Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Sound
Volume26
Mix8.1%
Spread
+0.591%Above
Fees
$1,882Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume242
Mix75.4%
Spread
+0.592%Above
Fees
$1,489Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume79
Mix24.6%
Spread
+0.981%Above
Fees
$839Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
321
Applications
453
Volume
$55 million
Pricing & Closing
Avg Rate Spread
+0.691%
vs. market APOR
Avg Net Fees
$1,323
Origination − Credits
Pullthrough Rate
70.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$173,349
Avg Borrower Income
$107,969
Avg Property Value
$260,639

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
KSMO
South2
AROK

Top Metro Areas by Place Specialization Score

Volume 42Mix 13.08% of portfolio
64/100
Strong
2© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 13Mix 4.05% of portfolio
45/100
Sound

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 196Mix 61.06% of portfolio
83/100
Exceptional
Missouri
Missouri
2
MissouriState
Volume 109Mix 33.96% of portfolio
66/100
Strong
Oklahoma
Oklahoma
3
OklahomaState
Volume 14Mix 4.36% of portfolio
45/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.