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COMMUNITY NATIONAL BANK

MIDLAND, TX

COMMUNITY NATIONAL BANK processed 328 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 247 loans with a 5.5% denial rate. Home Purchase was the primary loan purpose. Based in MIDLAND, TX. The approval rate of 75.3% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. COMMUNITY NATIONAL BANK processed 328 HMDA-reported mortgage applications in 2024, originating 247 loans and denying 18 for a denial rate of 5.5% (applicants themselves withdrew 62 files before a decision). The average loan amount was $487,805. The lender reports under LEI 5493006TJ2N1MYD0XD45 from MIDLAND, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. COMMUNITY NATIONAL BANK's 75.3% origination rate tells you how often an application turned into funded money; the 5.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Unverifiable information, which together explain the majority of rejections. Most activity concentrated in Conventional loans (233 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

328
Applications
247
Originated
5.5%
Denial Rate
$487,805
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 233 180 14 $580,365
FHA 89 61 4 $257,247
VA 6 6 0 $313,333

Top loan types — COMMUNITY NATIONAL BANK

Top loan types — COMMUNITY NATIONAL BANK Horizontal bar chart of the top 3 items by value (applications). Top loan types — COMMUNITY NATIONAL BANK Top 3 1. Conventional 233 2. FHA 89 3. VA 6 Top 5 loan types by application volume at COMMUNITY NATIONAL BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for COMMUNITY NATIONAL BANK (LEI: 5493006TJ2N1MYD0XD45) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
11
Debt-to-income ratio
10
Unverifiable information
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 284 220 $503,099
Refinancing 21 14 $350,238
Cash-out Refinancing 11 2 $417,727
Other 6 5 $353,333
Home Improvement 6 6 $508,333

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 221 72.8% 5.4%
Black or African American 14 50.0% 21.4%
Asian 7 71.4% 14.3%
Native Hawaiian or Other Pacific Islander 3 66.7% 0.0%
American Indian or Alaska Native 2 100.0% 0.0%
Joint 2 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino 130 68.5% 6.9%
Not Hispanic or Latino 110 75.5% 6.4%
Joint 9 77.8% 0.0%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare COMMUNITY NATIONAL BANK vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did COMMUNITY NATIONAL BANK process?
COMMUNITY NATIONAL BANK processed 328 mortgage applications in the 2023 HMDA reporting year. Of these, 247 were originated (approved and funded), 62 were withdrawn by the applicant, and 18 were denied.
What is COMMUNITY NATIONAL BANK's mortgage approval rate?
COMMUNITY NATIONAL BANK has an approval (origination) rate of 75.3%, meaning 75.3% of all applications resulted in a funded mortgage. The denial rate is 5.5%.
What is the average loan amount at COMMUNITY NATIONAL BANK?
The average mortgage loan amount at COMMUNITY NATIONAL BANK is $487,805.
What are the most common reasons for mortgage denial at COMMUNITY NATIONAL BANK?
The most common reasons for mortgage denial at COMMUNITY NATIONAL BANK are: Credit history, Debt-to-income ratio, Unverifiable information. In total, 18 applications were denied out of 328 total applications.
What types of mortgage loans does COMMUNITY NATIONAL BANK offer?
COMMUNITY NATIONAL BANK processes Conventional, FHA, VA loans. The most common type is Conventional with 233 applications and an average loan amount of $580,365.
What loan purposes does COMMUNITY NATIONAL BANK serve?
COMMUNITY NATIONAL BANK serves the following loan purposes: Home Purchase (284 applications), Refinancing (21 applications), Cash-out Refinancing (11 applications), Other (6 applications), Home Improvement (6 applications). Home Purchase is the most common purpose.
Where is COMMUNITY NATIONAL BANK located?
COMMUNITY NATIONAL BANK is headquartered in MIDLAND, TX. The lender is identified by LEI 5493006TJ2N1MYD0XD45 in HMDA data.
How does COMMUNITY NATIONAL BANK compare in lending across racial demographics?
COMMUNITY NATIONAL BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 72.8% and denial rate of 5.4%; Black or African American applicants have an approval rate of 50.0% and denial rate of 21.4%; Asian applicants have an approval rate of 71.4% and denial rate of 14.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.