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 score and performance metrics.

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 an overall pricing score of 25/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Community National Bank & Trust?

Community National Bank & Trust is a Bank headquartered in Chanute, KS.

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Community National Bank & Trust

Bank•Chanute, KSHQ•Direct•Reviews near you on Google

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

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

279 loans · 0.73% above market

Sound

Top 60% of lenders

3/5

16 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

USDA

26 loans · 0.59% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

242 loans · 0.59% above market

Sound

Top 60% of lenders

3/5

Refinance

79 loans · 0.98% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	279	86.9%	+0.731%Above	$1,271Fees
VA Loans	Strong	Sound	—	Strong	16	5.0%	+0.075%Above	$1,860Fees
USDA Loans	Strong	Strong	—	Sound	26	8.1%	+0.591%Above	$1,882Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Acceptable	Sound	242	75.4%	+0.592%Above	$1,489Fees
Refinance	Sound	Sound	Mediocre	Sound	79	24.6%	+0.981%Above	$839Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 1010–100100+None

Midwest2

KSMO

South2

AROK

Top Metro Areas by Place Specialization Score

Wichita, KSMetro

Volume 42Mix 13.08% of portfolio

64/100

Strong

Kansas City, MO, MO-KSMetro

Volume 13Mix 4.05% of portfolio

45/100

Sound

Top States by Place Specialization Score

KansasState

Volume 196Mix 61.06% of portfolio

83/100

Exceptional

MissouriState

Volume 109Mix 33.96% of portfolio

66/100

Strong

OklahomaState

Volume 14Mix 4.36% of portfolio

45/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

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.