Community National Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
69th5.6% deniedPricingmedian rate spread over APOR, weight 30%
5th1.14 ptsProcesswithdrawn + incomplete share, weight 15%
85th8.8%Closing coststotal loan costs ÷ loan amount, weight 10%
25th2.97% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,409 | 1,138 | 6.2% | 6.9% | 7.95% | $140M |
| 2024 | 1,454 | 1,199 | 6.0% | 6.6% | 8.45% | $166M |
| 2025 | 1,521 | 1,284 | 5.1% | 5.6% | 7.75% | $202M |
What Community National Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 416 home-equity lines, 0 reverse mortgages, 102 manufactured homes, 478 investment properties.
Why Community National Bank & Trust denies applications
Primary reason reported for each of the 77 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community National Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 251 | 194 | 9.6% |
| $50k – $100k | 386 | 305 | 9.3% |
| $100k – $150k | 271 | 222 | 5.4% |
| $150k – $250k | 179 | 153 | 3.7% |
| Over $250k | 63 | 57 | 1.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 81 | 57 | 4.9% |
| 25–34 | 216 | 172 | 4.9% |
| 35–44 | 267 | 222 | 7.8% |
| 45–54 | 244 | 204 | 9.2% |
| 55–64 | 233 | 189 | 6.3% |
| 65–74 | 147 | 122 | 6.1% |
| Over 74 | 59 | 50 | 6.9% |
Where Community National Bank & Trust lends
11 states and 91 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Community National Bank & Trust denied 5.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of mid-size mortgage lenders.
The most common reason Community National Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 39.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Community National Bank & Trust originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 1.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 44% of its applications were for home purchases, 33% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 93% conventional, 3% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.