C

Community National Bank & Trust

BankChanute, KSDirect

Community National Bank Trust has 321 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional · VA · USDA
Place
Sound
Regional · 2 mkts

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Safe Rate's Summary

Things to Think About

  • Rates typically 69 basis points above market average

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Report Card

Community National Bank & Trust performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+69.1 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
USDA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Sound
27986.9%
+0.731%Above
$1,271Fees
VA Loans
Strong
Sound
Strong
165.0%
+0.075%Above
$1,860Fees
USDA Loans
Strong
Strong
Sound
268.1%
+0.591%Above
$1,882Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Acceptable
Sound
24275.4%
+0.592%Above
$1,489Fees
Refinance
Sound
Sound
Mediocre
Sound
7924.6%
+0.981%Above
$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
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%of portfolio
Place
Strong
2
Kansas City, MO, MO-KSMSA
Volume: 13Mix: 4.05%of portfolio
Place
Sound

Top States by Place Specialization Score

1
KSState
Volume: 196Mix: 61.06%of portfolio
Place
Exceptional
2
MOState
Volume: 109Mix: 33.96%of portfolio
Place
Strong
3
OKState
Volume: 14Mix: 4.36%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.