Community First National Bank Mortgage Rates, Fees & Info

Manhattan, KS

LEI: 549300KR4ZW8KJC82O47

Tax ID: 48-1238548

5 stars - out of 5 stars, based on 30 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Community First National Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Community First National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, Manhattan, Washington, Los Angeles, and Dallas among others. We have data for 178 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Community First National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Community First National Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.83% 11/26/22
    30 Year Conventional Refi 6.63% 11/26/22
    30 Year Cash-out Refi 6.83% 11/26/22
    30 Year FHA Purchase 7.46% 11/26/22
    30 Year FHA Refi 7.41% 11/26/22
    30 Year VA Purchase 6.57% 11/26/22
    30 Year VA Refi 6.24% 11/26/22
    30 Year USDA Refi 6.75% 11/26/22
    15 Year Conventional Purchase 5.95% 11/26/22
    15 Year Conventional Refi 5.98% 11/26/22
    15 Year Cash-out Refi 5.98% 11/26/22
    15 Year VA Refi 6.19% 11/26/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    885

    Origination Dollar Volume (All Markets)

    $241,165,000

    Employee count

    74 Show all (5) awards

    Relative Rate

    Community First National Bank's average 30 year fixed mortgage rate was 2.88%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.27%.

    Relative Fees (Closing Costs)

    Community First National Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,765.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    KANSAS CITY, MO-KS (FHA|USDA|VA) 188 $46,060,000 $245,000 $4,104 2.93%
    MANHATTAN, KS (FHA|USDA|VA) 189 $44,415,000 $235,000 $2,391 3.12%
    Outside of Metro Areas 35 $9,095,000 $259,857 $5,462 2.91%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 18 $8,690,000 $482,778 $3,208 2.68%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 10 $5,750,000 $575,000 $4,058 2.51%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 19 $4,775,000 $251,316 $3,423 3.11%
    Kerrville, TX (FHA|USDA|VA) 14 $4,230,000 $302,143 $5,272 3.45%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 9 $4,005,000 $445,000 $6,897 2.45%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 12 $3,750,000 $312,500 $4,662 2.34%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 11 $3,545,000 $322,273 $12,387 2.92%
    WICHITA, KS (FHA|USDA|VA) 14 $3,170,000 $226,429 $6,312 3.05%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 7 $2,985,000 $426,429 $2,894 2.50%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 9 $2,745,000 $305,000 $2,502 2.58%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,610,000 $435,000 $3,253 2.94%
    TOPEKA, KS (FHA|USDA|VA) 10 $2,570,000 $257,000 $2,824 3.02%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $2,170,000 $542,500 $2,283 2.47%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $2,170,000 $361,667 $3,711 2.57%
    Hilo, HI (FHA|USDA|VA) 3 $2,035,000 $678,333 $19,670 2.63%
    URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,985,000 $661,667 $9,820 2.71%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $1,910,000 $318,333 $4,870 2.57%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,905,000 $272,143 $2,475 2.68%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $1,900,000 $237,500 $3,138 3.20%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,850,000 $308,333 $6,227 2.46%
    JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,745,000 $349,000 $14,091 2.78%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,540,000 $385,000 $3,457 2.44%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 5 $1,465,000 $293,000 $4,552 2.80%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,425,000 $203,571 $4,753 2.41%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 8 $1,420,000 $177,500 $4,569 3.07%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 7 $1,385,000 $197,857 $7,162 3.20%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $1,365,000 $455,000 $2,941 2.71%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $1,355,000 $1,355,000 $4,778 2.88%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,270,000 $317,500 $7,509 2.81%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,255,000 $251,000 $3,546 3.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 4 $1,250,000 $312,500 $2,782 3.04%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $1,195,000 $108,636 $0 3.68%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $1,175,000 $235,000 $4,900 2.75%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,150,000 $575,000 $2,446 2.57%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,065,000 $355,000 $3,620 2.67%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $930,000 $465,000 $11,353 2.88%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $925,000 $925,000 $17,966 2.38%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $925,000 $308,333 $3,549 2.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $925,000 $308,333 $6,566 2.54%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $915,000 $305,000 $3,397 2.25%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $905,000 $905,000 $2,994 2.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $900,000 $450,000 $5,089 2.94%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $895,000 $298,333 $2,463 2.58%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 2 $820,000 $410,000 $3,984 3.00%
    BECKLEY, WV (FHA|USDA|VA) 4 $790,000 $197,500 $3,489 3.38%
    TULSA, OK (FHA|USDA|VA) 3 $765,000 $255,000 $5,940 2.58%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $765,000 $153,000 $4,673 3.00%
    SANTA FE, NM (FHA|USDA|VA) 2 $730,000 $365,000 $3,879 3.07%
    FAYETTEVILLE, NC (FHA|USDA|VA) 4 $720,000 $180,000 $6,637 2.78%
    BOISE CITY, ID (FHA|USDA|VA) 2 $720,000 $360,000 $3,435 2.63%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $720,000 $360,000 $10,923 2.50%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $715,000 $715,000 $2,128 2.50%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $710,000 $355,000 $2,910 2.63%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $710,000 $355,000 $5,250 2.94%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $675,000 $225,000 $7,342 2.50%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $665,000 $133,000 $5,999 3.25%
    COLUMBIA, SC (FHA|USDA|VA) 1 $615,000 $615,000 $2,838 2.88%
    Dodge City, KS (FHA|USDA|VA) 2 $610,000 $305,000 $3,647 2.62%
    SALISBURY, MD-DE (FHA|USDA|VA) 2 $600,000 $300,000 $2,857 3.07%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $595,000 $198,333 $0 3.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $595,000 $595,000 $2,793 2.75%
    BATON ROUGE, LA (FHA|USDA|VA) 3 $585,000 $195,000 $5,457 3.04%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $585,000 $195,000 $2,181 2.83%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $570,000 $285,000 $3,707 2.88%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $565,000 $565,000 $6,165 2.75%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $555,000 $555,000 $23,636 2.38%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $555,000 $185,000 $6,631 3.21%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $545,000 $545,000 $3,996 2.63%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $540,000 $270,000 $7,582 2.94%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $530,000 $265,000 $12,622 2.56%
    BOULDER, CO (FHA|USDA|VA) 3 $515,000 $171,667 $0 3.63%
    LAWRENCE, KS (FHA|USDA|VA) 2 $510,000 $255,000 $2,853 3.19%
    YUMA, AZ (FHA|USDA|VA) 2 $510,000 $255,000 $1,591 2.19%
    ANCHORAGE, AK (FHA|USDA|VA) 2 $500,000 $250,000 $2,100 2.32%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,710 3.38%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $500,000 $250,000 $4,000 2.57%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $495,000 $495,000 $2,233 2.25%
    ALBUQUERQUE, NM (FHA|USDA|VA) 2 $490,000 $245,000 $4,185 2.57%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $475,000 $475,000 $5,147 2.75%
    Scottsboro, AL (FHA|USDA|VA) 1 $475,000 $475,000 $3,456 2.63%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $470,000 $235,000 $3,222 2.63%
    PEORIA, IL (FHA|USDA|VA) 3 $465,000 $155,000 $3,746 2.96%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $465,000 $465,000 $3,267 2.75%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $465,000 $465,000 $19,741 2.25%
    Concord, NH (FHA|USDA|VA) 2 $460,000 $230,000 $8,388 2.94%
    OCALA, FL (FHA|USDA|VA) 2 $460,000 $230,000 $3,087 2.50%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $450,000 $225,000 $0 2.94%
    MADISON, WI (FHA|USDA|VA) 1 $435,000 $435,000 $4,364 2.63%
    Shelton, WA (FHA|USDA|VA) 1 $435,000 $435,000 $5,082 2.25%
    Ottawa, KS (FHA|USDA|VA) 2 $430,000 $215,000 $4,366 2.88%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $430,000 $215,000 $1,936 2.63%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $420,000 $210,000 $3,585 2.76%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $405,000 $405,000 $0 2.25%
    Kalispell, MT (FHA|USDA|VA) 1 $405,000 $405,000 $4,902 2.38%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $405,000 $405,000 $3,603 3.49%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $400,000 $200,000 $5,782 2.50%
    McPherson, KS (FHA|USDA|VA) 2 $400,000 $200,000 $2,338 3.18%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $395,000 $395,000 $3,174 2.88%
    Glasgow, KY (FHA|USDA|VA) 1 $395,000 $395,000 $3,633 3.13%
    Fort Leonard Wood, MO (FHA|USDA|VA) 2 $390,000 $195,000 $3,994 2.57%
    AKRON, OH (FHA|USDA|VA) 1 $365,000 $365,000 $4,261 2.99%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $365,000 $121,667 $3,126 3.46%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $365,000 $365,000 $2,886 2.63%
    HATTIESBURG, MS (FHA|USDA|VA) 2 $360,000 $180,000 $2,734 2.63%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $355,000 $355,000 $16,086 2.75%
    MERCED, CA (FHA|USDA|VA) 1 $355,000 $355,000 $2,363 2.25%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,098 2.25%
    Keene, NH (FHA|USDA|VA) 1 $355,000 $355,000 $15,563 3.13%
    MEDFORD, OR (FHA|USDA|VA) 1 $355,000 $355,000 $12,101 2.63%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $350,000 $175,000 $2,846 2.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $350,000 $175,000 $3,285 2.87%
    Fredericksburg, TX (FHA|USDA|VA) 1 $345,000 $345,000 $6,801 3.50%
    MISSOULA, MT (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.12%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $330,000 $165,000 $2,103 2.37%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $325,000 $325,000 $4,377 3.38%
    RAPID CITY, SD (FHA|USDA|VA) 1 $325,000 $325,000 $4,586 2.50%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $320,000 $160,000 $5,279 3.19%
    WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $315,000 $315,000 $10,371 2.88%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $315,000 $315,000 $2,367 3.00%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $305,000 $305,000 $13,319 2.63%
    SALINAS, CA (FHA|USDA|VA) 1 $295,000 $295,000 $9,313 3.13%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $295,000 $295,000 $3,250 2.88%
    GREELEY, CO (FHA|USDA|VA) 1 $295,000 $295,000 $2,524 2.25%
    Roswell, NM (FHA|USDA|VA) 1 $295,000 $295,000 $14,262 2.88%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $285,000 $285,000 $4,127 2.25%
    RICHMOND, VA (FHA|USDA|VA) 1 $275,000 $275,000 $11,991 2.75%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $265,000 $265,000 $8,662 3.25%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $265,000 $265,000 $10,085 2.75%
    Salina, KS (FHA|USDA|VA) 1 $265,000 $265,000 $2,166 2.63%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $265,000 $265,000 $3,245 2.13%
    ODESSA, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,079 2.75%
    Parsons, KS (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.75%
    Enterprise, AL (FHA|USDA|VA) 1 $255,000 $255,000 $7,509 2.38%
    Pittsburg, KS (FHA|USDA|VA) 1 $255,000 $255,000 $2,559 2.99%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $255,000 $255,000 $3,639 3.25%
    COLUMBUS, OH (FHA|USDA|VA) 2 $250,000 $125,000 $2,254 3.07%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $245,000 $245,000 $4,207 2.88%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $225,000 $225,000 $11,517 2.38%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $225,000 $225,000 $2,999 2.75%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $225,000 $225,000 $6,286 2.75%
    EL PASO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $2,608 2.38%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $225,000 $225,000 $2,878 2.63%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $225,000 $225,000 $1,105 2.75%
    BANGOR, ME (FHA|USDA|VA) 1 $225,000 $225,000 $2,877 2.63%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $225,000 $225,000 $3,717 2.38%
    BILLINGS, MT (FHA|USDA|VA) 1 $225,000 $225,000 $4,245 3.38%
    St. Marys, GA (FHA|USDA|VA) 1 $225,000 $225,000 $2,919 2.75%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $215,000 $215,000 $4,761 3.50%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $215,000 $215,000 $2,042 2.38%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $215,000 $215,000 $7,715 2.25%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $215,000 $215,000 $3,512 2.63%
    Butte-Silver Bow, MT (FHA|USDA|VA) 1 $205,000 $205,000 $3,296 2.75%
    Winfield, KS (FHA|USDA|VA) 1 $205,000 $205,000 $10,018 3.25%
    DALTON, GA (FHA|USDA|VA) 1 $205,000 $205,000 $7,938 2.25%
    Oneonta, NY (FHA|USDA|VA) 1 $195,000 $195,000 $3,001 3.13%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $195,000 $195,000 $2,240 2.75%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $195,000 $195,000 $6,024 2.50%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,935 3.25%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $185,000 $185,000 $6,481 2.50%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $185,000 $185,000 $1,052 2.25%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.88%
    Altus, OK (FHA|USDA|VA) 1 $185,000 $185,000 $3,157 2.50%
    JOPLIN, MO (FHA|USDA|VA) 1 $165,000 $165,000 $6,357 2.25%
    Warrensburg, MO (FHA|USDA|VA) 1 $155,000 $155,000 $5,261 2.38%
    Houghton, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,822 2.75%
    Sheridan, WY (FHA|USDA|VA) 1 $145,000 $145,000 $1,713 2.75%
    TYLER, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,410 2.75%
    Pahrump, NV (FHA|USDA|VA) 1 $135,000 $135,000 $2,343 3.25%
    Burlington, IA-IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,755 3.00%
    Ozark, AL (FHA|USDA|VA) 3 $135,000 $45,000 $0 4.88%
    Ardmore, OK (FHA|USDA|VA) 1 $125,000 $125,000 $2,943 2.25%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.25%
    DOTHAN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,562 2.50%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $105,000 $105,000 $2,695 3.25%
    BURLINGTON, NC (FHA|USDA|VA) 1 $95,000 $95,000 $3,597 2.50%
    Community First National Bank's top markets include Kansas City, Manhattan, Washington, Los Angeles, and Dallas among others.

    Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Similarity Rank: 598

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 521 $125,355,000 $240,605 $2,783 3.15%
    VA 337 $109,945,000 $326,246 $5,848 2.59%
    FHA 26 $5,660,000 $217,692 $6,584 2.69%
    USDA 1 $205,000 $205,000 $4,398 2.50%

    For 2021, Community First National Bank's most frequently originated type of loan was Conventional, with 521 originations. Their 2nd most popular type was VA, with 337 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 359 $100,965,000 $281,240 $5,968 3.08%
    Refi 317 $84,925,000 $267,902 $2,588 2.70%
    Cash Out Refi 192 $52,340,000 $272,604 $4,459 2.92%
    Other 11 $2,345,000 $213,182 $2,629 3.45%
    Home Improvement 6 $590,000 $98,333 $1,227 3.81%

    For 2021, Community First National Bank's most frequently cited loan purpose was Home Purchase, with 359 originations. The 2nd most popular reason was Refi, with 317 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 700 $196,710,000 $281,014 $4,765 2.88%
    15 Year 89 $21,395,000 $240,393 $2,452 2.52%
    Other 31 $6,785,000 $218,871 $1,871 3.55%
    10 Year 29 $6,945,000 $239,483 $1,420 4.09%
    20 Year 27 $7,295,000 $270,185 $2,203 2.86%
    1 Year 7 $1,525,000 $217,857 $3,181 4.46%
    5 Year 2 $510,000 $255,000 $100 4.50%

    For 2021, Community First National Bank's most frequently cited loan duration was 30 Year, with 700 originations. The 2nd most popular length was 15 Year, with 89 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 591 $178,275,000 $301,650
    $<1k 102 $22,160,000 $217,255
    $2k-3k 18 $5,410,000 $300,556
    $3k-4k 7 $1,375,000 $196,429
    $5k+ 4 $2,200,000 $550,000
    $4k-5k 2 $510,000 $255,000

    Community First National Bank's average total fees were $4,765, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 591 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 340 $96,430,000 $283,618
    <2.5% 263 $81,235,000 $308,878
    3-4% 235 $55,475,000 $236,064
    4-5% 46 $7,970,000 $173,261
    7-8% 1 $55,000 $55,000

    During 2021, Community First National Bank's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was 2.5-3%, with 340 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 384 $108,170,000 $281,693 $4,527 2.77%
    $100k-200k 296 $45,790,000 $154,696 $2,971 3.03%
    $400k-600k 111 $54,225,000 $488,514 $5,179 2.78%
    $100,000 or less 60 $4,490,000 $74,833 $1,969 3.71%
    $600k-1MM 30 $21,990,000 $733,000 $8,553 2.69%
    $1MM+ 4 $6,500,000 $1,625,000 $30,642 3.39%

    2021 saw Community First National Bank place emphasis on $200k-400k loans with 384 originations, totaling $108,170,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 191 $55,225,000 $289,136 $5,033 2.99%
    $50k-75k 126 $27,190,000 $215,794 $4,398 2.85%
    $150k-250k 118 $38,620,000 $327,288 $5,771 3.01%
    $75k-100k 118 $29,140,000 $246,949 $4,474 2.85%
    $250k+ 80 $24,300,000 $303,750 $3,588 3.25%
    $50k or less 80 $12,830,000 $160,375 $4,092 3.00%

    Community First National Bank lent most frequently to those with incomes in the $100k-150k range, with 191 originations. The second most popular income band? $50k-75k, with 126 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 183 $44,225,000 $241,667 $3,429 2.89%
    30-36% 112 $29,710,000 $265,268 $4,048 3.02%
    <20% 66 $12,870,000 $195,000 $2,530 3.05%
    39% 35 $9,205,000 $263,000 $3,179 2.96%
    50-60% 33 $12,705,000 $385,000 $10,186 2.82%
    38% 32 $9,480,000 $296,250 $5,685 2.97%
    40% 32 $8,750,000 $273,438 $5,341 2.90%
    44% 28 $7,310,000 $261,071 $5,659 3.01%
    41% 24 $6,590,000 $274,583 $6,111 2.95%
    43% 24 $6,370,000 $265,417 $4,370 2.78%
    37% 22 $7,640,000 $347,273 $5,124 2.89%
    46% 22 $5,700,000 $259,091 $5,370 2.86%
    42% 19 $4,385,000 $230,789 $4,484 3.09%
    48% 18 $4,950,000 $275,000 $4,801 2.90%
    36% 16 $4,270,000 $266,875 $4,406 2.98%
    45% 15 $4,395,000 $293,000 $4,793 3.03%
    47% 13 $4,435,000 $341,154 $11,470 2.84%
    49% 11 $3,165,000 $287,727 $5,594 2.64%
    >60% 3 $1,005,000 $335,000 $3,262 3.50%

    Community First National Bank lent most frequently to those with DTI ratios of 20-30%, with 183 originations. The next most common DTI ratio? 30-36%, with 112 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 666 $179,880,000 $270,090 $4,256 2.88%
    Not provided 97 $23,775,000 $245,103 $4,513 3.04%
    Black 55 $16,715,000 $303,909 $4,623 2.85%
    Asian 38 $13,340,000 $351,053 $4,177 2.76%
    Not applicable 20 $5,420,000 $271,000 $0 4.39%
    American Indian 7 $1,665,000 $237,857 $4,611 2.54%
    Native Hawaiian or Islander 1 $205,000 $205,000 $2,803 3.63%
    Asian Indian 1 $165,000 $165,000 $0 3.63%

    Approval Rates

    Total approvals of all applications
    92.40%

    Community First National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.02%

    Community First National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 885 $241,165,000 $272,503

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    885 $241,165,000 $272,503

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $3,760,000 $188,000 $1,952 3.30%
    40-60% 131 $29,025,000 $221,565 $2,964 2.98%
    60-80% 335 $88,605,000 $264,493 $3,155 3.00%
    80-100% 349 $103,395,000 $296,261 $4,302 2.81%
    Over 100% 44 $15,940,000 $362,273 $14,428 2.74%
    Under 20% 6 $440,000 $73,333 $655 3.77%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    COMMUNITY BANK SYSTEM, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    COMMUNITY BANK SYSTEM, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Community First National Bank 1101 Junction Highway Kerrville, TX 78028 Full Service B&M $48,357
    Community First National Bank 210 Tuttle Creek Boulevard Manhattan, KS 66502 Full Service B&M $33,736
    Community First National Bank 215 South Seth Child Road Manhattan, KS 66502 Full Service B&M $214,296

    For 2021, Community First National Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $12,340
    Net interest income $11,081
    Total noninterest income $12,189
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $290
    Trading account gains and fees $0
    Additional Noninterest Income $11,899
    Pre-tax net operating income $8,080
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,342
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,342
    Minority interest net income $0
    Net income $6,342
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,342

    Community First National Bank's gross interest income from loans was $12,340,000.
    Community First National Bank's net interest income from loans was $11,081,000.
    Community First National Bank's fee based income from loans was $290,000.
    Community First National Bank's net income from loans was $6,342,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,259
    Provision for credit losses $48
    Total noninterest expense $15,142
    Salaries and employee benefits $11,988
    Premises and equipment expense $641
    Additional noninterest expense $2,513
    Applicable income taxes $1,738
    Net charge-offs $108
    Cash dividends $5,135

    Community First National Bank's interest expense for loans was $1,259,000.
    Community First National Bank's payroll and benefits expense were $11,988,000.
    Community First National Bank's property, plant and equipment expenses $641,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $252,181
    Deposits held in domestic offices $252,181
    Deposits by Individuals, partnerships, and corporations $211,375
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $35,056
    Deposits by Commercial banks and other depository institutions in U.S. $5,750
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $118,794
    Demand deposits $88,878
    Nontransaction accounts $133,387
    Money market deposit accounts (MMDAs) $11,951
    Other savings deposits (excluding MMDAs) $71,104
    Total time deposits $50,332
    Total time and savings deposits $163,303
    Noninterest-bearing deposits $77,437
    Interest-bearing deposits $174,744
    Retail deposits $241,554
    IRAs and Keogh plan accounts $4,719
    Brokered deposits $1,106
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $290,729
    Cash & Balances due from depository institutions $56,839
    Interest-bearing balances $53,941
    Total securities $4,156
    Federal funds sold & reverse repurchase $897
    Net loans and leases $221,385
    Loan and leases loss allowance $4,790
    Trading account assets $0
    Bank premises and fixed assets $4,652
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $2,800

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $290,729
    Total Liabilities $258,394
    Total deposits $252,181
    Interest-bearing deposits $174,744
    Deposits held in domestic offices $252,181
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $4,517
    Subordinated debt $0
    All other liabilities $1,696

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $221,385
    Loan and leases loss allowance $4,790
    Total loans and leases (domestic) $226,175
    All real estate loans $160,221
    Real estate loans in domestic offices $160,221
    Construction and development loans $8,565
    Residential 1-4 family construction $4,206
    Other construction, all land development and other land $4,359
    Loans secured by nonfarm nonresidential properties $73,923
    Nonfarm nonresidential secured by owner-occupied properties $28,317
    Commercial real estate & other non-farm, non-residential $45,606
    Multifamily residential real estate $27,509
    1-4 family residential loans $41,025
    Farmland loans $9,199
    Loans held in foreign offices $0
    Farm loans $1,865
    Commercial and industrial loans $29,047
    To non-U.S. addressees $0
    Loans to individuals $5,002
    Credit card loans $0
    Related Plans $37
    Consumer Auto Loans $2,185
    Other loans to individuals $2,780
    All other loans & leases $30,165
    Loans to foreign governments and official institutions $0
    Other loans $1,451
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $14
    Non 1-4 family restructured loans & leases $14
    Total loans and leases (foreign) $0

    Community First National Bank had $221,385,000 of loans outstanding in 2021. $160,221,000 of loans were in real estate loans. $8,565,000 of loans were in development loans. $27,509,000 of loans were in multifamily mortgage loans. $41,025,000 of loans were in 1-4 family mortgage loans. $1,865,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,185,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 71 $18,496 $260,507
    Nonfarm, nonresidential loans - <$100k 8 $274 $34,250
    Nonfarm, nonresidential loans - $100-250k 22 $2,564 $116,545
    Nonfarm, nonresidential loans - $250k-1MM 41 $15,658 $381,902
    Commercial & Industrial, US addressed loans - <$1MM 238 $20,617 $86,626
    Commercial & Industrial, US addressed loans - <$100k 140 $3,213 $22,950
    Commercial & Industrial, US addressed loans - $100-250k 55 $5,093 $92,600
    Commercial & Industrial, US addressed loans - $250k-1MM 43 $12,311 $286,302
    Farmland loans - <$1MM 30 $3,510 $117,000
    Farmland loans - <$100k 10 $420 $42,000
    Farmland loans - $100-250k 13 $1,716 $132,000
    Farmland loans - $250k-1MM 7 $1,374 $196,286
    Agriculture operations loans - <$1MM 31 $942 $30,387
    Agriculture operations loans - <$100k 21 $408 $19,429
    Agriculture operations loans - $100-250k 5 $309 $61,800
    Agriculture operations loans - $250k-1MM 5 $225 $45,000