Community First National Bank Mortgage Rates, Fees & Info

Manhattan, KS

LEI: 549300KR4ZW8KJC82O47

Tax ID: 48-1238548

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Mortgage Data

Bank 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: Kansas City, Manhattan, Mcallen, Omaha, and Columbia among others. We have data for 199 markets. (Some data included below & more in-depth data is available with an active subscription.)

Community First National Bank has an 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% 3/28/24
30 Year Conventional Refi 6.17% 3/28/24
30 Year Cash-out Refi 6.69% 3/28/24
30 Year FHA Purchase 7.08% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 6.32% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 6.41% 3/28/24
15 Year Conventional Purchase 5.88% 3/28/24
15 Year Conventional Refi 6.24% 3/28/24
15 Year Cash-out Refi 6.24% 3/28/24
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

788

Origination Dollar Volume (All Markets)

$156,620,000

Employee count

113

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) 140 $27,420,000 $195,857 $4,180 4.89%
MANHATTAN, KS (FHA|USDA|VA) 107 $24,695,000 $230,794 $1,905 4.93%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 81 $12,995,000 $160,432 $6,756 5.13%
Outside of Metro Areas 50 $8,210,000 $164,200 $5,152 4.92%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 30 $5,630,000 $187,667 $4,448 5.00%
COLUMBIA, MO (FHA|USDA|VA) 16 $2,850,000 $178,125 $4,324 4.79%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $2,725,000 $545,000 $13,341 4.55%
Kerrville, TX (FHA|USDA|VA) 8 $2,570,000 $321,250 $4,137 5.31%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 15 $2,305,000 $153,667 $4,414 4.83%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 10 $2,090,000 $209,000 $8,150 4.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $1,920,000 $960,000 $3,769 5.13%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 9 $1,685,000 $187,222 $5,557 4.99%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,625,000 $325,000 $7,246 4.75%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,485,000 $297,000 $3,966 4.33%
Rio Grande City-Roma, TX (FHA|USDA|VA) 10 $1,480,000 $148,000 $7,216 5.04%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,425,000 $475,000 $15,951 4.40%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $1,295,000 $259,000 $2,112 4.15%
TOPEKA, KS (FHA|USDA|VA) 6 $1,290,000 $215,000 $2,375 4.39%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 10 $1,270,000 $127,000 $6,159 5.08%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,210,000 $302,500 $6,086 4.44%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $1,160,000 $290,000 $8,652 4.88%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $1,130,000 $188,333 $6,530 4.75%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,115,000 $371,667 $7,999 4.50%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,075,000 $215,000 $5,529 4.58%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $12,914 4.54%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 6 $950,000 $158,333 $7,615 5.69%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $900,000 $225,000 $10,861 5.31%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $870,000 $217,500 $4,532 5.06%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $870,000 $217,500 $5,604 4.81%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $825,000 $275,000 $7,975 4.71%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $765,000 $765,000 $3,257 4.63%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $730,000 $182,500 $5,161 4.72%
STOCKTON, CA (FHA|USDA|VA) 2 $710,000 $355,000 $6,650 4.93%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $675,000 $225,000 $7,039 4.92%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $610,000 $305,000 $4,461 4.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $585,000 $195,000 $4,489 4.83%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 4 $580,000 $145,000 $3,555 4.84%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $565,000 $188,333 $5,412 4.88%
PITTSBURGH, PA (FHA|USDA|VA) 3 $565,000 $188,333 $7,822 5.17%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $555,000 $185,000 $6,418 4.79%
BISMARCK, ND (FHA|USDA|VA) 1 $545,000 $545,000 $11,352 5.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $525,000 $175,000 $2,471 4.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $525,000 $175,000 $4,675 4.75%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $525,000 $175,000 $4,473 4.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $510,000 $127,500 $4,576 4.94%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $495,000 $99,000 $6,372 5.43%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $480,000 $240,000 $5,334 4.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $480,000 $240,000 $6,151 4.69%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $480,000 $240,000 $4,078 4.75%
JEFFERSON CITY, MO (FHA|USDA|VA) 3 $475,000 $158,333 $5,327 5.08%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $465,000 $155,000 $6,010 5.00%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $465,000 $465,000 $17,560 4.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $455,000 $455,000 $8,745 4.88%
BOISE CITY, ID (FHA|USDA|VA) 1 $455,000 $455,000 $4,589 3.88%
LONGVIEW, WA (FHA|USDA|VA) 2 $450,000 $225,000 $7,619 4.56%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $435,000 $435,000 $5,878 4.63%
DOVER, DE (FHA|USDA|VA) 2 $430,000 $215,000 $5,146 4.38%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $420,000 $210,000 $5,028 5.44%
MODESTO, CA (FHA|USDA|VA) 1 $415,000 $415,000 $4,024 4.63%
Corsicana, TX (FHA|USDA|VA) 2 $410,000 $205,000 $6,378 5.06%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $400,000 $200,000 $9,037 4.50%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $395,000 $395,000 $5,029 4.63%
Kingsville, TX (FHA|USDA|VA) 2 $380,000 $190,000 $5,989 4.81%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $375,000 $375,000 $2,823 3.88%
MERCED, CA (FHA|USDA|VA) 1 $355,000 $355,000 $3,321 4.25%
Norfolk, NE (FHA|USDA|VA) 1 $345,000 $345,000 $2,850 4.88%
Cordele, GA (FHA|USDA|VA) 1 $345,000 $345,000 $3,236 5.38%
BECKLEY, WV (FHA|USDA|VA) 2 $340,000 $170,000 $3,339 5.13%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $335,000 $335,000 $14,399 4.50%
FRESNO, CA (FHA|USDA|VA) 1 $315,000 $315,000 $5,273 4.38%
ASHEVILLE, NC (FHA|USDA|VA) 2 $310,000 $155,000 $4,801 5.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $305,000 $305,000 $15,106 4.25%
SANTA FE, NM (FHA|USDA|VA) 1 $305,000 $305,000 $2,380 4.88%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $305,000 $305,000 $3,194 4.38%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $290,000 $145,000 $7,817 5.00%
Washington, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,197 4.50%
YUMA, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $6,091 4.75%
Gloversville, NY (FHA|USDA|VA) 1 $285,000 $285,000 $5,512 5.00%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $285,000 $285,000 $9,699 4.75%
Elizabeth City, NC (FHA|USDA|VA) 2 $270,000 $135,000 $6,179 5.31%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $265,000 $265,000 $3,206 4.25%
AMES, IA (FHA|USDA|VA) 1 $265,000 $265,000 $5,853 4.50%
Port Angeles, WA (FHA|USDA|VA) 1 $255,000 $255,000 $11,968 5.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $255,000 $255,000 $8,691 4.88%
ODESSA, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,019 4.75%
BEND, OR (FHA|USDA|VA) 1 $255,000 $255,000 $3,831 5.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $245,000 $245,000 $8,488 4.63%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $245,000 $245,000 $6,111 4.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $235,000 $235,000 $10,468 5.00%
Salina, KS (FHA|USDA|VA) 1 $235,000 $235,000 $2,322 4.38%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $235,000 $235,000 $2,930 4.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $235,000 $235,000 $3,706 4.63%
MADERA, CA (FHA|USDA|VA) 1 $235,000 $235,000 $6,703 4.63%
BELLINGHAM, WA (FHA|USDA|VA) 1 $235,000 $235,000 $3,978 5.38%
Murray, KY (FHA|USDA|VA) 1 $235,000 $235,000 $3,668 4.88%
AKRON, OH (FHA|USDA|VA) 2 $230,000 $115,000 $4,774 5.56%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $230,000 $115,000 $3,987 5.31%
FLORENCE, SC (FHA|USDA|VA) 1 $225,000 $225,000 $2,943 4.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $215,000 $215,000 $10,146 4.50%
BANGOR, ME (FHA|USDA|VA) 1 $215,000 $215,000 $9,761 4.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $210,000 $105,000 $5,130 5.25%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,682 5.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $195,000 $195,000 $6,347 5.13%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $195,000 $195,000 $7,816 4.99%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $195,000 $195,000 $7,233 4.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,976 4.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $190,000 $95,000 $6,956 5.44%
Deming, NM (FHA|USDA|VA) 2 $190,000 $95,000 $4,307 5.44%
MORRISTOWN, TN (FHA|USDA|VA) 2 $190,000 $95,000 $4,915 5.56%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $185,000 $185,000 $9,010 4.63%
EspaƱola, NM (FHA|USDA|VA) 1 $185,000 $185,000 $4,580 5.50%
YAKIMA, WA (FHA|USDA|VA) 1 $185,000 $185,000 $7,038 5.38%
ANN ARBOR, MI (FHA|USDA|VA) 1 $185,000 $185,000 $8,984 4.75%
TULSA, OK (FHA|USDA|VA) 1 $185,000 $185,000 $3,527 4.00%
LINCOLN, NE (FHA|USDA|VA) 1 $185,000 $185,000 $5,712 3.75%
Lebanon, NH-VT (FHA|USDA|VA) 1 $185,000 $185,000 $6,721 4.38%
Oak Harbor, WA (FHA|USDA|VA) 1 $185,000 $185,000 $4,066 5.75%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $180,000 $90,000 $4,626 5.44%
TUCSON, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $9,343 5.00%
Winfield, KS (FHA|USDA|VA) 1 $175,000 $175,000 $2,509 5.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $9,859 5.63%
WHEELING, WV-OH (FHA|USDA|VA) 1 $175,000 $175,000 $8,343 4.50%
DALTON, GA (FHA|USDA|VA) 1 $175,000 $175,000 $8,615 5.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $9,005 4.75%
Dodge City, KS (FHA|USDA|VA) 1 $165,000 $165,000 $2,361 4.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $165,000 $165,000 $6,641 5.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,329 4.50%
CLEVELAND, TN (FHA|USDA|VA) 1 $165,000 $165,000 $7,990 4.38%
Pahrump, NV (FHA|USDA|VA) 1 $165,000 $165,000 $9,312 5.50%
Crawfordsville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $7,495 4.50%
Sevierville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.49%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $165,000 $165,000 $7,702 5.50%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $165,000 $165,000 $2,589 4.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $165,000 $165,000 $6,140 4.75%
Fremont, NE (FHA|USDA|VA) 2 $160,000 $80,000 $3,815 5.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $155,000 $155,000 $6,291 5.25%
Wahpeton, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $9,009 5.50%
Russellville, AR (FHA|USDA|VA) 1 $155,000 $155,000 $3,411 5.13%
Taos, NM (FHA|USDA|VA) 1 $155,000 $155,000 $2,832 5.50%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $155,000 $155,000 $4,157 5.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.75%
Klamath Falls, OR (FHA|USDA|VA) 1 $155,000 $155,000 $4,162 5.13%
LYNCHBURG, VA (FHA|USDA|VA) 1 $145,000 $145,000 $6,513 5.63%
DULUTH, MN-WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,945 4.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $145,000 $145,000 $6,471 5.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $4,162 5.38%
LAWRENCE, KS (FHA|USDA|VA) 1 $145,000 $145,000 $5,387 4.13%
Ruidoso, NM (FHA|USDA|VA) 1 $145,000 $145,000 $8,496 5.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $145,000 $145,000 $7,579 5.50%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $145,000 $145,000 $7,231 4.75%
La Grande, OR (FHA|USDA|VA) 1 $145,000 $145,000 $6,093 5.38%
Milledgeville, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,741 5.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $145,000 $145,000 $4,821 4.75%
Marion, IN (FHA|USDA|VA) 1 $135,000 $135,000 $5,917 5.50%
New Castle, IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,258 5.50%
Holland, MI (FHA|USDA|VA) 1 $135,000 $135,000 $6,484 4.50%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $7,841 5.38%
Fort Morgan, CO (FHA|USDA|VA) 1 $135,000 $135,000 $6,410 5.50%
RENO, NV (FHA|USDA|VA) 1 $135,000 $135,000 $3,659 5.13%
Riverton, WY (FHA|USDA|VA) 1 $135,000 $135,000 $4,519 4.50%
COLUMBUS, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,489 5.50%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $135,000 $135,000 $6,179 5.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,358 4.88%
Poplar Bluff, MO (FHA|USDA|VA) 1 $125,000 $125,000 $3,563 5.13%
Nogales, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $7,807 5.13%
Manitowoc, WI (FHA|USDA|VA) 1 $115,000 $115,000 $3,990 4.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $115,000 $115,000 $5,346 5.00%
Concord, NH (FHA|USDA|VA) 1 $115,000 $115,000 $7,444 5.50%
Sunbury, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,834 5.75%
FOND DU LAC, WI (FHA|USDA|VA) 1 $105,000 $105,000 $5,488 4.75%
Corning, NY (FHA|USDA|VA) 1 $105,000 $105,000 $5,129 5.13%
SAGINAW, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,802 4.38%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $95,000 $95,000 $5,153 5.25%
Scottsburg, IN (FHA|USDA|VA) 1 $95,000 $95,000 $5,726 4.50%
Okeechobee, FL (FHA|USDA|VA) 1 $95,000 $95,000 $5,003 5.75%
LONGVIEW, TX (FHA|USDA|VA) 1 $95,000 $95,000 $3,434 5.50%
NEW BERN, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,559 4.75%
MUSKEGON, MI (FHA|USDA|VA) 1 $95,000 $95,000 $7,275 5.63%
Athens, TN (FHA|USDA|VA) 1 $95,000 $95,000 $2,907 5.50%
KNOXVILLE, TN (FHA|USDA|VA) 1 $95,000 $95,000 $2,856 5.25%
Raymondville, TX (FHA|USDA|VA) 1 $95,000 $95,000 $4,451 5.50%
Bedford, IN (FHA|USDA|VA) 1 $85,000 $85,000 $7,280 6.25%
HINESVILLE, GA (FHA|USDA|VA) 1 $85,000 $85,000 $3,436 5.63%
GADSDEN, AL (FHA|USDA|VA) 1 $85,000 $85,000 $5,211 5.00%
Jasper, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,326 4.50%
WICHITA, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,796 4.38%
ALBANY, GA (FHA|USDA|VA) 1 $75,000 $75,000 $4,693 5.63%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $75,000 $75,000 $5,579 5.63%
MONROE, LA (FHA|USDA|VA) 1 $75,000 $75,000 $6,279 5.75%
Elko, NV (FHA|USDA|VA) 1 $75,000 $75,000 $5,090 5.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $75,000 $75,000 $4,557 5.50%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $65,000 $65,000 $4,616 5.75%
Laurinburg, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,393 5.63%
Pottsville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,096 5.25%
PANAMA CITY, FL (FHA|USDA|VA) 1 $65,000 $65,000 $4,400 5.63%
Peru, IN (FHA|USDA|VA) 1 $65,000 $65,000 $3,131 5.25%
Meadville, PA (FHA|USDA|VA) 1 $55,000 $55,000 $3,340 5.25%
Parsons, KS (FHA|USDA|VA) 1 $45,000 $45,000 $1,171 5.13%
Fredericksburg, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.25%
Community First National Bank's top markets include Kansas City, Manhattan, Mcallen, Omaha, and Columbia among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 352 $74,230,000 $210,881 $3,714 5.01%
    VA 265 $56,745,000 $214,132 $6,014 4.85%
    FHA 156 $23,590,000 $151,218 $6,469 4.96%
    USDA 15 $2,055,000 $137,000 $4,308 4.73%

    For 2018, Community First National Bank's most frequently originated type of loan was Conventional, with 352 originations. Their 2nd most popular type was VA, with 265 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 570 $108,950,000 $191,140 $5,251 4.94%
    Cash Out Refi 126 $25,530,000 $202,619 $5,748 4.88%
    Refi 78 $19,960,000 $255,897 $3,432 4.96%
    Other 9 $1,335,000 $148,333 $3,668 5.19%
    Home Improvement 5 $845,000 $169,000 $2,883 5.70%

    For 2018, Community First National Bank's most frequently cited loan purpose was Home Purchase, with 570 originations. The 2nd most popular reason was Cash Out Refi, with 126 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 666 $129,550,000 $194,520 $5,477 4.93%
    15 Year 33 $6,385,000 $193,485 $2,707 4.38%
    20 Year 27 $5,025,000 $186,111 $3,786 5.09%
    Other 26 $5,480,000 $210,769 $1,645 5.34%
    10 Year 25 $8,705,000 $348,200 $1,129 5.12%
    1 Year 6 $1,350,000 $225,000 $2,995 5.50%
    5 Year 5 $125,000 $25,000 $310 6.30%

    For 2018, Community First National Bank's most frequently cited loan duration was 30 Year, with 666 originations. The 2nd most popular length was 15 Year, with 33 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 385 $77,555,000 $201,442
    $<1k 121 $24,575,000 $203,099
    $2k-3k 119 $15,855,000 $133,235
    $3k-4k 48 $9,020,000 $187,917
    $4k-5k 24 $5,460,000 $227,500
    $5k+ 17 $6,145,000 $361,471

    Community First National Bank's average total fees were $5,477, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 385 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 402 $92,840,000 $230,945
    5-6% 317 $50,205,000 $158,375
    3-4% 55 $12,425,000 $225,909
    6-7% 13 $1,125,000 $86,538
    7-8% 1 $25,000 $25,000

    During 2018, Community First National Bank's average interest rate for loans was 4.93%, while their most frequently originated rate bucket for loans was 4-5%, with 402 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 358 $53,650,000 $149,860 $5,072 4.96%
    $200k-400k 229 $61,085,000 $266,747 $5,480 4.71%
    $100,000 or less 149 $10,905,000 $73,188 $3,881 5.33%
    $400k-600k 38 $17,490,000 $460,263 $8,907 4.66%
    $600k-1MM 8 $5,780,000 $722,500 $9,075 5.02%
    $1MM+ 6 $7,710,000 $1,285,000 $4,123 4.83%

    2018 saw Community First National Bank place emphasis on $100k-200k loans with 358 originations, totaling $53,650,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 235 $40,245,000 $171,255 $5,191 4.91%
    $50k or less 194 $21,960,000 $113,196 $4,554 5.10%
    $75k-100k 131 $26,965,000 $205,840 $6,009 4.85%
    $100k-150k 117 $28,825,000 $246,368 $5,425 4.89%
    $150k-250k 46 $14,150,000 $307,609 $6,264 4.86%
    $250k+ 29 $11,705,000 $403,621 $3,893 4.77%

    Community First National Bank lent most frequently to those with incomes in the $50k-75k range, with 235 originations. The second most popular income band? $50k or less, with 194 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 118 $21,200,000 $179,661 $4,296 4.92%
    30-36% 110 $20,400,000 $185,455 $4,617 4.85%
    50-60% 90 $18,890,000 $209,889 $6,899 4.84%
    45% 40 $7,430,000 $185,750 $4,738 4.97%
    48% 33 $7,915,000 $239,848 $5,981 4.98%
    37% 33 $5,525,000 $167,424 $4,714 5.18%
    49% 31 $6,555,000 $211,452 $5,613 4.95%
    41% 31 $5,725,000 $184,677 $5,065 5.02%
    42% 31 $5,445,000 $175,645 $4,673 4.94%
    40% 30 $6,080,000 $202,667 $5,834 4.97%
    <20% 29 $6,755,000 $232,931 $2,829 4.76%
    38% 29 $4,945,000 $170,517 $5,970 5.02%
    44% 27 $4,565,000 $169,074 $5,524 5.03%
    46% 25 $5,575,000 $223,000 $6,685 4.86%
    47% 25 $4,275,000 $171,000 $4,714 4.89%
    43% 21 $4,075,000 $194,048 $4,712 4.88%
    39% 21 $3,065,000 $145,952 $4,568 5.07%
    36% 21 $4,175,000 $198,810 $6,056 4.96%
    >60% 4 $1,030,000 $257,500 $10,676 5.16%

    Community First National Bank lent most frequently to those with DTI ratios of 20-30%, with 118 originations. The next most common DTI ratio? 30-36%, with 110 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 675 $128,465,000 $190,319 $5,125 4.93%
    Not applicable 21 $9,055,000 $431,190 $0 5.33%
    Black 35 $7,315,000 $209,000 $5,591 4.91%
    Not provided 26 $5,550,000 $213,462 $7,039 5.13%
    Asian 18 $3,200,000 $177,778 $4,169 4.90%
    American Indian 8 $1,140,000 $142,500 $4,092 4.84%
    Asian Indian 1 $855,000 $855,000 $1,200 5.75%
    Native Hawaiian or Islander 2 $710,000 $355,000 $10,522 4.10%
    Other Asian 1 $195,000 $195,000 $2,253 4.50%
    Guamanian 1 $135,000 $135,000 $4,883 4.75%

    Approval Rates

    Total approvals of all applications
    84.09%

    Community First National Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    69.92%

    Community First National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $45,000 $45,000
    100.0 3 $95,000 $31,667
    NA 784 $156,480,000 $199,592

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $7,435,000 $826,111
    Single Family (1-4 Units):Manufactured 138 $17,990,000 $130,362
    Single Family (1-4 Units):Site-Built 641 $131,195,000 $204,672

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $3,570,000 $162,273 $1,823 4.80%
    40-60% 40 $10,330,000 $258,250 $3,321 4.88%
    60-80% 157 $32,855,000 $209,268 $4,274 4.97%
    80-100% 514 $98,000,000 $190,661 $5,215 4.95%
    Over 100% 45 $11,055,000 $245,667 $10,479 4.74%
    Under 20% 7 $205,000 $29,286 $526 5.64%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Community Loan Fund of New Jersey, Inc Conventional home mortgage Struggling to pay mortgage 1 100.0%

    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 $23,148
    Community First National Bank 210 Tuttle Creek Boulevard Manhattan, KS 66502 Full Service B&M $25,877
    Community First National Bank 215 South Seth Child Road Manhattan, KS 66502 Full Service B&M $187,474

    For 2018, Community First National Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $11,842
    Net interest income $9,442
    Total noninterest income $8,841
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $371
    Trading account gains and fees $0
    Additional Noninterest Income $8,470
    Pre-tax net operating income $2,343
    Securities gains (or losses, -) $0
    Income before extraordinary items $1,928
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $1,928
    Minority interest net income $0
    Net income $1,928
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $1,928

    Community First National Bank's gross interest income from loans was $11,842,000.
    Community First National Bank's net interest income from loans was $9,442,000.
    Community First National Bank's fee based income from loans was $371,000.
    Community First National Bank's net income from loans was $1,928,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,400
    Provision for credit losses $923
    Total noninterest expense $15,017
    Salaries and employee benefits $10,904
    Premises and equipment expense $961
    Additional noninterest expense $3,152
    Applicable income taxes $415
    Net charge-offs $957
    Cash dividends $0

    Community First National Bank's interest expense for loans was $2,400,000.
    Community First National Bank's payroll and benefits expense were $10,904,000.
    Community First National Bank's property, plant and equipment expenses $961,000.

    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 $255,817
    Deposits held in domestic offices $255,817
    Deposits by Individuals, partnerships, and corporations $200,026
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $47,135
    Deposits by Commercial banks and other depository institutions in U.S. $8,656
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $89,692
    Demand deposits $71,155
    Nontransaction accounts $166,125
    Money market deposit accounts (MMDAs) $5,229
    Other savings deposits (excluding MMDAs) $60,990
    Total time deposits $99,905
    Total time and savings deposits $184,662
    Noninterest-bearing deposits $64,132
    Interest-bearing deposits $191,685
    Retail deposits $230,630
    IRAs and Keogh plan accounts $5,390
    Brokered deposits $10,337
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $282,714
    Cash & Balances due from depository institutions $25,786
    Interest-bearing balances $22,529
    Total securities $0
    Federal funds sold & reverse repurchase $4,367
    Net loans and leases $241,441
    Loan and leases loss allowance $2,675
    Trading account assets $0
    Bank premises and fixed assets $8,760
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $2,360

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $282,714
    Total Liabilities $257,169
    Total deposits $255,817
    Interest-bearing deposits $191,685
    Deposits held in domestic offices $255,817
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $1,352

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $241,441
    Loan and leases loss allowance $2,675
    Total loans and leases (domestic) $244,116
    All real estate loans $169,881
    Real estate loans in domestic offices $169,881
    Construction and development loans $19,490
    Residential 1-4 family construction $3,289
    Other construction, all land development and other land $16,201
    Loans secured by nonfarm nonresidential properties $66,084
    Nonfarm nonresidential secured by owner-occupied properties $33,926
    Commercial real estate & other non-farm, non-residential $32,158
    Multifamily residential real estate $17,485
    1-4 family residential loans $57,116
    Farmland loans $9,706
    Loans held in foreign offices $0
    Farm loans $3,454
    Commercial and industrial loans $32,943
    To non-U.S. addressees $0
    Loans to individuals $5,746
    Credit card loans $0
    Related Plans $82
    Consumer Auto Loans $2,491
    Other loans to individuals $3,173
    All other loans & leases $32,092
    Loans to foreign governments and official institutions $0
    Other loans $3,773
    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 $643
    Non 1-4 family restructured loans & leases $427
    Total loans and leases (foreign) $0

    Community First National Bank had $241,441,000 of loans outstanding in 2018. $169,881,000 of loans were in real estate loans. $19,490,000 of loans were in development loans. $17,485,000 of loans were in multifamily mortgage loans. $57,116,000 of loans were in 1-4 family mortgage loans. $3,454,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,491,000 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 87 $22,143 $254,517
    Nonfarm, nonresidential loans - <$100k 13 $449 $34,538
    Nonfarm, nonresidential loans - $100-250k 27 $3,887 $143,963
    Nonfarm, nonresidential loans - $250k-1MM 47 $17,807 $378,872
    Commercial & Industrial, US addressed loans - <$1MM 335 $27,174 $81,116
    Commercial & Industrial, US addressed loans - <$100k 227 $5,774 $25,436
    Commercial & Industrial, US addressed loans - $100-250k 61 $6,568 $107,672
    Commercial & Industrial, US addressed loans - $250k-1MM 47 $14,832 $315,574
    Farmland loans - <$1MM 37 $3,981 $107,595
    Farmland loans - <$100k 16 $813 $50,813
    Farmland loans - $100-250k 14 $1,755 $125,357
    Farmland loans - $250k-1MM 7 $1,413 $201,857
    Agriculture operations loans - <$1MM 44 $3,254 $73,955
    Agriculture operations loans - <$100k 27 $1,099 $40,704
    Agriculture operations loans - $100-250k 11 $1,368 $124,364
    Agriculture operations loans - $250k-1MM 6 $787 $131,167