Community First National Bank Mortgage Rates, Fees & Info
Manhattan, KSLEI: 549300KR4ZW8KJC82O47
Tax ID: 48-1238548
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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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Manhattan, Kansas City, Dallas, Wichita, and Louisville among others. We have data for 83 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 relatively high 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 | 6.55% | 4/25/24 |
| 30 Year Conventional Refi | 6.17% | 4/25/24 |
| 30 Year Cash-out Refi | 6.69% | 4/25/24 |
| 30 Year FHA Purchase | 7.08% | 4/25/24 |
| 30 Year FHA Refi | 6.27% | 4/25/24 |
| 30 Year VA Purchase | 6.32% | 4/25/24 |
| 30 Year VA Refi | 6.27% | 4/25/24 |
| 30 Year USDA Purchase | 6.41% | 4/25/24 |
| 15 Year Conventional Purchase | 5.88% | 4/25/24 |
| 15 Year Conventional Refi | 6.24% | 4/25/24 |
| 15 Year Cash-out Refi | 6.24% | 4/25/24 |
| 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
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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
306Origination Dollar Volume (All Markets)
$90,130,000Awards
Community First National Bank - 2023
Community First National Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Community First National Bank's average 30 year fixed mortgage rate was
6.66%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.18%.
Relative Fees (Closing Costs)
Community First National Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,638.
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 $9,089.
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) | 109 | $28,985,000 | $265,917 | $3,293 | 6.89% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 51 | $14,905,000 | $292,255 | $7,420 | 6.77% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $3,775,000 | $419,444 | $9,935 | 6.63% |
| Outside of Metro Areas | 12 | $2,370,000 | $197,500 | $4,152 | 6.99% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $1,710,000 | $213,750 | $3,510 | 7.45% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $1,620,000 | $810,000 | $12,501 | 6.25% |
| Juneau, AK (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $26,468 | 5.88% |
| TOPEKA, KS (FHA|USDA|VA) | 6 | $1,260,000 | $210,000 | $3,758 | 7.06% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $18,186 | 6.41% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $9,243 | 5.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $10,092 | 6.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $1,000,000 | $500,000 | $5,782 | 6.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $28,245 | 6.75% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $13,350 | 5.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $8,315 | 6.33% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $9,236 | 6.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,566 | 7.81% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,893 | 7.50% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $9,567 | 6.95% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $2,093 | 7.13% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $19,878 | 5.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $0 | 7.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $4,974 | 6.54% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $8,273 | 6.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,066 | 5.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $1,837 | 7.31% |
| TULSA, OK (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $10,201 | 6.62% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $15,730 | 6.87% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $22,195 | 5.75% |
| Granbury, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,084 | 6.44% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $5,508 | 6.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,312 | 6.50% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,817 | 7.19% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,517 | 7.13% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,633 | 6.49% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $10,140 | 5.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $20,881 | 6.13% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,456 | 7.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $0 | 7.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,083 | 5.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,377 | 5.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,190 | 7.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,563 | 7.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $10,539 | 7.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,875 | 6.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,328 | 6.88% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,311 | 6.63% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,666 | 6.25% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,623 | 6.25% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,729 | 6.25% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,950 | 5.75% |
| Emporia, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,811 | 7.06% |
| BECKLEY, WV (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,540 | 7.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,828 | 6.38% |
| Hudson, NY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,597 | 6.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,303 | 5.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,319 | 5.25% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,543 | 7.25% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,142 | 7.13% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $9,271 | 6.25% |
| Wilson, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,367 | 7.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,091 | 7.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,067 | 7.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,067 | 6.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.63% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,814 | 6.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,756 | 6.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,928 | 6.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,307 | 6.75% |
| Picayune, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,734 | 5.50% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,430 | 7.13% |
| McPherson, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,332 | 7.37% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,412 | 7.13% |
| Parsons, KS (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $3,515 | 7.13% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,249 | 6.38% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,392 | 7.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,549 | 6.50% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,265 | 7.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,601 | 6.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,979 | 5.00% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,259 | 7.75% |
| Albertville, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,287 | 7.25% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 9.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Community First National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Community First National Bank's most frequently originated type of loan was Conventional, with 201 originations. Their 2nd most popular type was VA, with 90 originations.
Loan Reason
For 2023, Community First National Bank's most frequently cited loan purpose was Home Purchase, with 252 originations. The 2nd most popular reason was Refi, with 22 originations.
Loan Duration/Length
For 2023, Community First National Bank's most frequently cited loan duration was 30 Year, with 256 originations. The 2nd most popular length was 10 Year, with 21 originations.
Origination Fees/Closing Costs
Community First National Bank's average total fees were $6,638, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 139 originations.
Interest Rates
During 2023, Community First National Bank's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 143 originations.
Loan Sizing
2023 saw Community First National Bank place emphasis on $200k-400k loans with 126 originations, totaling $36,050,000 in origination value.
Applicant Income
Community First National Bank lent most frequently to those with incomes in the $100k-150k range, with 76 originations. The second most popular income band? $150k-250k, with 73 originations.
Applicant Debt to Income Ratio
Community First National Bank lent most frequently to those with DTI ratios of 30-36%, with 52 originations. The next most common DTI ratio? 20-30%, with 45 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.84%
Community First National Bank has an average approval rate.
Pick Rate
Approvals leading to origination74.18%
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 |
| 50.0 | 1 | $15,000 | $15,000 |
| NA | 304 | $90,100,000 | $296,382 |