Community National Bank & Trust
Community National Bank & Trust received 1,520 applications in 2025 and made 1,284 mortgages, in 91 counties across 10 states. The median rate its borrowers got was 7.750% on a median loan of $95,000. Of 1,386 decisions, 77 were denials — 5.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300MUMD1WPCSXT518 |
|---|---|
| Applications received | 1,520 |
| Mortgages made | 1,284 |
| Denied | 77 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 134 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.135 points |
| FDIC-insured bank | Yes: Community National Bank & Trust, 44 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 555 | 7.500% | $145,000 | 3.6% |
| Refinancing | 348 | 7.883% | $95,000 | 0.9% |
| Cash-out refinancing | 101 | 8.000% | $75,000 | 14.1% |
| Other purposes | 280 | 8.500% | $45,000 | 11.0% |
Where Community National Bank & Trust lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Butler County, KS | 168 | 7.750% | 2.3% |
| Benton County, MO | 141 | 8.000% | 4.0% |
| Cowley County, KS | 106 | 8.000% | 8.9% |
| Montgomery County, KS | 94 | 7.820% | 13.5% |
| Sedgwick County, KS | 93 | 7.990% | 4.0% |
| Crawford County, KS | 86 | 7.875% | 7.3% |
| Allen County, KS | 58 | 7.575% | 1.7% |
| Neosho County, KS | 58 | 7.575% | 3.3% |
| Johnson County, MO | 42 | 7.400% | 0.0% |
| Wilson County, KS | 38 | 7.870% | 4.9% |
| Lyon County, KS | 36 | 8.125% | 2.7% |
| Kay County, OK | 34 | 8.250% | 10.5% |
| Vernon County, MO | 30 | 7.640% | 3.2% |
| Labette County, KS | 28 | 7.713% | 3.5% |
| Greenwood County, KS | 21 | 7.950% | 0.0% |
| Harvey County, KS | 18 | 7.985% | 10.0% |
| Jasper County, MO | 15 | 7.750% | 0.0% |
| Barton County, MO | 13 | 7.850% | 0.0% |
| Henry County, MO | 13 | 7.125% | 0.0% |
| Jackson County, MO | 12 | 6.870% | 20.0% |
| Sumner County, KS | 11 | 7.950% | 0.0% |
| Pettis County, MO | 11 | 7.750% | 0.0% |
| Cedar County, MO | 10 | 7.425% | 9.1% |
| Cherokee County, KS | 8 | Under 10 loans | 0.0% |
| Reno County, KS | 8 | Under 10 loans | 0.0% |
| Osage County, OK | 8 | Under 10 loans | 20.0% |
| Camden County, MO | 7 | Under 10 loans | 0.0% |
| McPherson County, KS | 6 | Under 10 loans | 0.0% |
| Hickory County, MO | 6 | Under 10 loans | 33.3% |
| Bourbon County, KS | 5 | Under 10 loans | 16.7% |
| Johnson County, KS | 5 | Under 10 loans | 0.0% |
| Marion County, KS | 5 | Under 10 loans | 16.7% |
| Delaware County, OK | 5 | Under 10 loans | 37.5% |
| Chautauqua County, KS | 4 | Under 10 loans | 0.0% |
| Elk County, KS | 4 | Under 10 loans | 0.0% |
| Woodson County, KS | 4 | Under 10 loans | 20.0% |
| Lafayette County, MO | 4 | Under 10 loans | 0.0% |
| Anderson County, KS | 3 | Under 10 loans | 0.0% |
| Bates County, MO | 3 | Under 10 loans | 0.0% |
| Dallas County, MO | 3 | Under 10 loans | 0.0% |
| Laclede County, MO | 3 | Under 10 loans | 0.0% |
| Ottawa County, OK | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| McHenry County, IL | 2 | Under 10 loans | 0.0% |
| Geary County, KS | 2 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 2 | Under 10 loans | 0.0% |
| Riley County, KS | 2 | Under 10 loans | 0.0% |
| Shawnee County, KS | 2 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 2 | Under 10 loans | 0.0% |
| Newton County, MO | 2 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.