Community First National Bank Mortgage Rates, Fees & Info
Manhattan, KSLEI: 549300KR4ZW8KJC82O47
Tax ID: 48-1238548
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.55% | 11/17/24 |
| 30 Year Conventional Refi | 6.17% | 11/17/24 |
| 30 Year Cash-out Refi | 6.69% | 11/17/24 |
| 30 Year FHA Purchase | 7.08% | 11/17/24 |
| 30 Year FHA Refi | 6.27% | 11/17/24 |
| 30 Year VA Purchase | 6.32% | 11/17/24 |
| 30 Year VA Refi | 6.27% | 11/17/24 |
| 30 Year USDA Purchase | 6.41% | 11/17/24 |
| 15 Year Conventional Purchase | 5.88% | 11/17/24 |
| 15 Year Conventional Refi | 6.24% | 11/17/24 |
| 15 Year Cash-out Refi | 6.24% | 11/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
885Origination Dollar Volume (All Markets)
$241,165,000Employee count
74Awards
Community First National Bank - 2021
Community First National Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
2021 saw Community First National Bank place emphasis on $200k-400k loans with 384 originations, totaling $108,170,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications92.40%
Community First National Bank has an average approval rate.
Pick Rate
Approvals leading to origination81.02%
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 |
LTV Distribution
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 |