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Community National Bank & Trust
Bank|Chanute, KS|Regional
Loans Originated
321
Applications
453
Volume
$55 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.691%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,323
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
70.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 69 basis points above market average
Report Card
Community National Bank & Trust performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Regional · 3 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$173,349
Average Borrower Income
$107,969
Average Property Value
$260,639
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% | $1,271 |
VA Loans | Sound | Sound | N/A | Strong | 16 | 5.0% | +0.075% | $1,860 |
USDA Loans | Sound | Strong | N/A | Sound | 26 | 8.1% | +0.591% | $1,882 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 242 | 75.4% | +0.592% | $1,489 |
Refinance | Acceptable | Sound | Mediocre | Sound | 79 | 24.6% | +0.981% | $839 |
Geographic Coverage
Metro Areas
2
States Served
4
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARKSMOOK
Top Metro Areas by Place Specialization Score
1
Wichita, KS, KSMSA
Volume: 42Mix: 13.08%
Place Specialization
Strong
2
Kansas City, MO, MO-KSMSA
Volume: 13Mix: 4.05%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 196Mix: 61.06%
Place Specialization
Exceptional
2
MOState
Volume: 109Mix: 33.96%
Place Specialization
Strong
3
OKState
Volume: 14Mix: 4.36%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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