Community National Bank & Trust of Texas at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st1.5% deniedProcesswithdrawn + incomplete share, weight 15%
59th9.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 183 | 156 | 0.6% | 0.6% | — | $51M |
| 2024 | 194 | 160 | 1.6% | 1.8% | — | $47M |
| 2025 | 146 | 129 | 1.4% | 1.5% | — | $37M |
What Community National Bank & Trust of Texas 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: 0 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 36 investment properties.
Why Community National Bank & Trust of Texas denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community National Bank & Trust of Texas
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 35 | 32 | 0.0% |
| $100k – $150k | 21 | 19 | 0.0% |
| $150k – $250k | 38 | 33 | 0.0% |
| Over $250k | 24 | 20 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 22 | 0.0% |
| 35–44 | 22 | 17 | 5.6% |
| 45–54 | 36 | 33 | 0.0% |
Where Community National Bank & Trust of Texas lends
3 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 144 | 128 | 1.4% | — | #482 |
Frequently asked questions
Community National Bank & Trust of Texas denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
The most common reason Community National Bank & Trust of Texas gave in 2025 was "other", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 73% of its applications were for home purchases, 15% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 95% conventional, 0% FHA, 5% 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.