Community First National Bank Mortgage Rates, Fees & Info

Manhattan, KS

LEI: 549300KR4ZW8KJC82O47

Tax ID: 48-1238548

5 stars - Updated: 2/19/24 - out of 5 stars, based on 21 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Community First National Bank is a smaller bank specializing in Home Purchase 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: Manhattan, Kansas City, Dallas, Washington, and Urban Honolulu among others. We have data for 115 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.55% 2/19/24
30 Year Conventional Refi 6.17% 2/19/24
30 Year Cash-out Refi 6.69% 2/19/24
30 Year FHA Purchase 7.08% 2/19/24
30 Year FHA Refi 6.27% 2/19/24
30 Year VA Purchase 6.32% 2/19/24
30 Year VA Refi 6.27% 2/19/24
30 Year USDA Purchase 6.41% 2/19/24
15 Year Conventional Purchase 5.88% 2/19/24
15 Year Conventional Refi 6.24% 2/19/24
15 Year Cash-out Refi 6.24% 2/19/24
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.

Community First National Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Community First National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

460

Origination Dollar Volume (All Markets)

$130,010,000
Show all (5) awards

Relative Rate

Community First National Bank's average 30 year fixed mortgage rate was 4.78%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.02%.

Relative Fees (Closing Costs)

Community First National Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,433.

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
MANHATTAN, KS (FHA|USDA|VA) 154 $37,050,000 $240,584 $3,324 4.75%
KANSAS CITY, MO-KS (FHA|USDA|VA) 66 $19,440,000 $294,545 $5,292 4.63%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 15 $6,225,000 $415,000 $11,635 4.99%
Outside of Metro Areas 22 $4,350,000 $197,727 $5,037 4.74%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 8 $4,140,000 $517,500 $10,058 3.77%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $2,545,000 $848,333 $12,965 4.17%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $2,165,000 $433,000 $6,872 5.12%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $1,690,000 $422,500 $16,205 5.31%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,545,000 $309,000 $7,887 5.73%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $1,450,000 $241,667 $5,158 6.56%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $1,450,000 $241,667 $8,477 4.27%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,335,000 $445,000 $3,439 4.42%
Steamboat Springs, CO (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $6,983 6.75%
LAWRENCE, KS (FHA|USDA|VA) 4 $1,260,000 $315,000 $2,332 4.44%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,245,000 $415,000 $5,457 4.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $1,225,000 $245,000 $7,251 5.48%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 7 $1,195,000 $170,714 $13,990 5.11%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $1,190,000 $297,500 $6,373 5.56%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,609 3.93%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $1,120,000 $280,000 $10,257 4.69%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,085,000 $361,667 $11,279 4.21%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $1,025,000 $341,667 $8,114 4.25%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $1,025,000 $341,667 $4,797 5.71%
RICHMOND, VA (FHA|USDA|VA) 2 $1,010,000 $505,000 $9,817 6.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $925,000 $308,333 $4,967 5.96%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $890,000 $445,000 $9,144 4.19%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $860,000 $430,000 $8,995 4.75%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $850,000 $212,500 $13,481 4.09%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $850,000 $212,500 $9,672 5.41%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $790,000 $395,000 $17,019 4.19%
TULSA, OK (FHA|USDA|VA) 4 $790,000 $197,500 $10,025 4.75%
Marshalltown, IA (FHA|USDA|VA) 1 $755,000 $755,000 $6,695 2.75%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $700,000 $350,000 $3,918 5.44%
TOPEKA, KS (FHA|USDA|VA) 3 $685,000 $228,333 $2,498 4.25%
PITTSBURGH, PA (FHA|USDA|VA) 1 $655,000 $655,000 $29,747 5.25%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $595,000 $595,000 $6,156 5.88%
TUCSON, AZ (FHA|USDA|VA) 2 $590,000 $295,000 $8,799 2.88%
Hilo, HI (FHA|USDA|VA) 1 $555,000 $555,000 $21,230 2.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $545,000 $545,000 $3,965 3.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $535,000 $535,000 $24,221 4.75%
BATON ROUGE, LA (FHA|USDA|VA) 1 $525,000 $525,000 $5,744 7.13%
FORT COLLINS, CO (FHA|USDA|VA) 1 $505,000 $505,000 $7,444 4.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $505,000 $505,000 $4,105 5.63%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $505,000 $505,000 $5,301 5.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $500,000 $250,000 $11,091 5.06%
WICHITA, KS (FHA|USDA|VA) 3 $495,000 $165,000 $6,804 4.83%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $475,000 $475,000 $22,308 4.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $470,000 $235,000 $0 5.50%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $465,000 $465,000 $0 5.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $460,000 $230,000 $2,675 5.06%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $455,000 $455,000 $5,784 5.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $450,000 $225,000 $5,091 5.19%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $445,000 $445,000 $4,657 5.13%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $425,000 $425,000 $17,666 3.88%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $425,000 $425,000 $3,511 2.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $405,000 $405,000 $14,238 5.75%
BOISE CITY, ID (FHA|USDA|VA) 1 $395,000 $395,000 $4,082 5.13%
SALEM, OR (FHA|USDA|VA) 1 $385,000 $385,000 $3,213 3.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $5,458 4.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $16,960 6.25%
Sevierville, TN (FHA|USDA|VA) 1 $365,000 $365,000 $7,209 3.75%
EL PASO, TX (FHA|USDA|VA) 1 $355,000 $355,000 $13,129 5.13%
Port Angeles, WA (FHA|USDA|VA) 1 $355,000 $355,000 $7,143 2.63%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $345,000 $345,000 $3,495 5.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $345,000 $345,000 $10,009 4.75%
BANGOR, ME (FHA|USDA|VA) 1 $345,000 $345,000 $14,082 5.13%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $345,000 $345,000 $4,367 3.63%
ABILENE, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,579 3.00%
Ottawa, KS (FHA|USDA|VA) 2 $330,000 $165,000 $2,655 5.06%
Clarksburg, WV (FHA|USDA|VA) 1 $305,000 $305,000 $4,655 5.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $305,000 $305,000 $2,345 4.99%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $295,000 $295,000 $4,389 4.99%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $295,000 $295,000 $10,221 2.75%
STOCKTON, CA (FHA|USDA|VA) 1 $295,000 $295,000 $1,994 4.13%
FAIRBANKS, AK (FHA|USDA|VA) 1 $285,000 $285,000 $4,548 5.25%
Winfield, KS (FHA|USDA|VA) 1 $275,000 $275,000 $2,599 4.25%
BECKLEY, WV (FHA|USDA|VA) 1 $275,000 $275,000 $12,865 3.63%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $275,000 $275,000 $5,727 5.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $270,000 $135,000 $0 6.38%
MOBILE, AL (FHA|USDA|VA) 1 $255,000 $255,000 $5,864 4.75%
PEORIA, IL (FHA|USDA|VA) 2 $250,000 $125,000 $5,971 3.25%
LINCOLN, NE (FHA|USDA|VA) 2 $250,000 $125,000 $1,603 4.94%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $245,000 $245,000 $4,065 4.63%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $245,000 $245,000 $3,995 5.63%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $2,848 3.13%
DOTHAN, AL (FHA|USDA|VA) 1 $235,000 $235,000 $11,864 5.50%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $215,000 $215,000 $8,571 4.25%
Salina, KS (FHA|USDA|VA) 1 $215,000 $215,000 $2,771 5.62%
SPARTANBURG, SC (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.50%
LOUISVILLE, KY (FHA|USDA|VA) 1 $195,000 $195,000 $3,198 6.38%
Vicksburg, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,838 3.25%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $185,000 $185,000 $8,090 2.88%
Harrison, AR (FHA|USDA|VA) 1 $185,000 $185,000 $4,553 4.75%
WACO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,505 5.50%
VALDOSTA, GA (FHA|USDA|VA) 1 $175,000 $175,000 $11,458 4.25%
St. Marys, GA (FHA|USDA|VA) 1 $175,000 $175,000 $6,766 4.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.63%
DECATUR, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.88%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,865 5.13%
Laurel, MS (FHA|USDA|VA) 1 $165,000 $165,000 $4,658 7.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.38%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,664 4.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $145,000 $145,000 $10,075 5.00%
Wilson, NC (FHA|USDA|VA) 1 $135,000 $135,000 $5,889 5.63%
Miami, OK (FHA|USDA|VA) 1 $135,000 $135,000 $6,335 4.25%
COLUMBUS, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,199 3.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,999 5.37%
Athens, TX (FHA|USDA|VA) 1 $125,000 $125,000 $5,915 6.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $105,000 $105,000 $4,435 5.88%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $105,000 $105,000 $5,394 6.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.99%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $85,000 $85,000 $4,919 4.00%
Altus, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
Community First National Bank's top markets include Manhattan, Kansas City, Dallas, Washington, and Urban Honolulu among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 295 $74,635,000 $253,000 $3,509 4.87%
    VA 147 $51,125,000 $347,789 $9,100 4.58%
    FHA 16 $3,680,000 $230,000 $8,381 5.02%
    USDA 2 $570,000 $285,000 $6,076 2.81%

    For 2022, Community First National Bank's most frequently originated type of loan was Conventional, with 295 originations. Their 2nd most popular type was VA, with 147 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 345 $101,245,000 $293,464 $6,447 4.84%
    Cash Out Refi 60 $17,430,000 $290,500 $5,075 4.27%
    Refi 35 $8,785,000 $251,000 $2,589 4.70%
    Other 13 $1,885,000 $145,000 $2,642 5.11%
    Home Improvement 7 $665,000 $95,000 $2,542 5.21%

    For 2022, Community First National Bank's most frequently cited loan purpose was Home Purchase, with 345 originations. The 2nd most popular reason was Cash Out Refi, with 60 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 381 $112,195,000 $294,475 $6,433 4.78%
    10 Year 27 $6,315,000 $233,889 $1,145 4.84%
    15 Year 22 $4,290,000 $195,000 $2,605 3.96%
    Other 19 $4,705,000 $247,632 $2,020 5.60%
    1 Year 5 $1,075,000 $215,000 $1,013 4.55%
    20 Year 3 $1,295,000 $431,667 $3,192 3.04%
    5 Year 2 $120,000 $60,000 $10 6.50%
    3 Year 1 $15,000 $15,000 $595 5.50%

    For 2022, Community First National Bank's most frequently cited loan duration was 30 Year, with 381 originations. The 2nd most popular length was 10 Year, with 27 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 240 $70,800,000 $295,000
    $2k-3k 51 $15,065,000 $295,392
    $<1k 33 $7,215,000 $218,636
    $5k+ 26 $10,690,000 $411,154
    $3k-4k 14 $3,910,000 $279,286
    $4k-5k 11 $4,795,000 $435,909

    Community First National Bank's average total fees were $6,433, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 240 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 140 $37,950,000 $271,071
    4-5% 125 $33,675,000 $269,400
    3-4% 105 $31,225,000 $297,381
    6-7% 52 $13,880,000 $266,923
    2.5-3% 29 $10,425,000 $359,483
    7-8% 6 $1,440,000 $240,000
    <2.5% 3 $1,415,000 $471,667

    During 2022, Community First National Bank's average interest rate for loans was 4.78%, while their most frequently originated rate bucket for loans was 5-6%, with 140 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 201 $57,695,000 $287,040 $5,958 4.65%
    $100k-200k 140 $21,980,000 $157,000 $3,873 4.90%
    $400k-600k 61 $29,795,000 $488,443 $8,187 4.88%
    $100,000 or less 35 $2,395,000 $68,429 $2,342 5.15%
    $600k-1MM 19 $13,615,000 $716,579 $13,083 4.05%
    $1MM+ 4 $4,530,000 $1,132,500 $11,488 4.75%

    2022 saw Community First National Bank place emphasis on $200k-400k loans with 201 originations, totaling $57,695,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 115 $33,935,000 $295,087 $6,734 4.75%
    $50k-75k 101 $21,545,000 $213,317 $5,218 4.69%
    $150k-250k 67 $25,625,000 $382,463 $6,075 4.88%
    $75k-100k 66 $17,950,000 $271,970 $6,007 4.59%
    $250k+ 43 $17,325,000 $402,907 $7,853 5.01%
    $50k or less 40 $6,200,000 $155,000 $4,225 4.84%

    Community First National Bank lent most frequently to those with incomes in the $100k-150k range, with 115 originations. The second most popular income band? $50k-75k, with 101 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 78 $22,550,000 $289,103 $4,804 4.50%
    20-30% 69 $18,215,000 $263,986 $4,323 4.80%
    50-60% 31 $12,145,000 $391,774 $9,513 4.85%
    <20% 24 $5,080,000 $211,667 $2,922 4.30%
    40% 23 $7,235,000 $314,565 $5,322 4.37%
    49% 19 $5,535,000 $291,316 $8,992 5.03%
    45% 19 $5,235,000 $275,526 $6,654 5.21%
    42% 17 $5,275,000 $310,294 $9,305 4.87%
    46% 17 $4,905,000 $288,529 $5,871 4.95%
    47% 16 $4,150,000 $259,375 $5,262 4.71%
    37% 16 $4,190,000 $261,875 $6,350 4.76%
    41% 15 $4,565,000 $304,333 $8,528 4.92%
    38% 15 $4,285,000 $285,667 $4,316 5.12%
    43% 14 $4,020,000 $287,143 $6,234 4.53%
    39% 14 $4,690,000 $335,000 $8,154 4.72%
    48% 13 $3,095,000 $238,077 $4,803 5.11%
    44% 12 $3,380,000 $281,667 $4,535 5.01%
    36% 12 $2,640,000 $220,000 $3,582 4.91%
    >60% 2 $1,040,000 $520,000 $23,811 4.75%

    Community First National Bank lent most frequently to those with DTI ratios of 30-36%, with 78 originations. The next most common DTI ratio? 20-30%, with 69 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 343 $95,255,000 $277,711 $5,809 4.75%
    Not provided 49 $12,485,000 $254,796 $5,716 4.82%
    Black 25 $9,835,000 $393,400 $7,078 4.41%
    Not applicable 20 $4,940,000 $247,000 $0 4.99%
    Asian 15 $4,535,000 $302,333 $6,681 5.47%
    American Indian 4 $1,200,000 $300,000 $8,304 4.97%
    Asian Indian 2 $1,020,000 $510,000 $2,019 3.50%
    Native Hawaiian or Islander 2 $740,000 $370,000 $5,348 5.13%

    Approval Rates

    Total approvals of all applications
    92.71%

    Community First National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.04%

    Community First National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    102.0 1 $15,000 $15,000
    NA 459 $129,995,000 $283,214

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    460 $130,010,000 $282,630

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 17 $2,635,000 $155,000 $1,937 4.85%
    40-60% 48 $13,320,000 $277,500 $3,603 4.30%
    60-80% 137 $36,275,000 $264,781 $4,341 4.91%
    80-100% 211 $63,255,000 $299,787 $5,476 4.78%
    Over 100% 38 $13,810,000 $363,421 $15,862 4.56%
    Under 20% 9 $715,000 $79,444 $1,671 5.68%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) FHA mortgage Struggling to pay mortgage 2 66.7%
    Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) Other type of mortgage Trouble during payment process 1 33.3%