Community National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
60th7.5% deniedProcesswithdrawn + incomplete share, weight 15%
45th12.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 299 | 237 | 4.0% | 4.7% | — | $76M |
| 2024 | 328 | 247 | 5.5% | 6.8% | — | $133M |
| 2025 | 289 | 221 | 6.6% | 7.5% | — | $94M |
What Community National Bank 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, 2 manufactured homes, 99 investment properties.
Why Community National Bank denies applications
Primary reason reported for each of the 19 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 78 | 65 | 4.3% |
| $100k – $150k | 53 | 40 | 10.9% |
| $150k – $250k | 25 | 18 | 0.0% |
| Over $250k | 43 | 30 | 3.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 28 | 26 | 0.0% |
| 25–34 | 61 | 45 | 9.6% |
| 35–44 | 63 | 51 | 3.7% |
| 45–54 | 22 | 15 | 5.6% |
| 55–64 | 28 | 15 | 19.1% |
Where Community National Bank lends
6 states and 33 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 282 | 214 | 6.7% | — | #348 |
Frequently asked questions
Community National Bank denied 7.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 60th percentile of small mortgage lenders.
The most common reason Community National Bank gave in 2025 was "credit history", cited on 42.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 81% of its applications were for home purchases, 12% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 72% conventional, 27% 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.