# Community National Bank

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

> **📋 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 is a bank, headquartered in Derby, VT, with 95 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 33% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300OQ3UC55Y6EPP22
- **Headquarters:** Derby, VT
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** VT
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.061%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,140
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 95
- **Dollar Volume:** $23 million
- **Applications Received:** 131
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $240,368
- **Average Borrower Income:** $151,295

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 94 | -0.061% | $1,140 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 70 loans, Score: 42/100 (Sound)
- Refinance: 24 loans, Score: 47/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 71 | $19M | -0.095% | Sound ☺️ |
| Refinance | 46/100 | 24 | $4M | +0.059% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VT | 95 | 1.62% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 91 | 61/100 |

## Frequently Asked Questions

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

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

### Where does Community National Bank offer mortgages?

Community National Bank offers mortgages in 1 states: VT.

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

Community National Bank has a pricing score of 67/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.061% below market average.

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

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

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

Community National Bank has a pull-through score of 39/100 (Acceptable). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/community-national-bank

### How to Cite

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

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