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

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Kansas City, Manhattan, Washington, Los Angeles, and Dallas among others. Community First National Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Community First National Bank is typically an average fee lendor.


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 rate mortgage of loans were 2.88%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.27%.

Relative Fees

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

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

Top Markets

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.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average 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 the 2021 period, Community First National Bank's most frequently originated loan type of loans were Conventional, with 521 originations. Their 2nd most popular type is VA, with 337 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, Community First National Bank's most frequently cited loan purpose of loans were Home Purchase, with 359 originations. The 2nd most popular reason of loans were 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 the 2021, Community First National Bank's most frequently cited loan length of loans were 30 Year, with 700 originations. The 2nd most popular length of loans were 15 Year, with 89 originations.

Origination Fees

Origination Fee 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 9 $1,885,000 $209,444
$5k+ 4 $2,200,000 $550,000

$4,765 of loans were Community First National Bank's average total fees, while their most frequently occuring range of origination fees 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 of loans were 2.88%, while their most frequently originated rate bucket of loans were 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 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
88.12%

Community First National Bank has an average approval rate.

Pick Rate

Approvals leading to origination
75.54%

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