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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.55% | 4/28/24 |
| 30 Year Conventional Refi | 6.17% | 4/28/24 |
| 30 Year Cash-out Refi | 6.69% | 4/28/24 |
| 30 Year FHA Purchase | 7.08% | 4/28/24 |
| 30 Year FHA Refi | 6.27% | 4/28/24 |
| 30 Year VA Purchase | 6.32% | 4/28/24 |
| 30 Year VA Refi | 6.27% | 4/28/24 |
| 30 Year USDA Purchase | 6.41% | 4/28/24 |
| 15 Year Conventional Purchase | 5.88% | 4/28/24 |
| 15 Year Conventional Refi | 6.24% | 4/28/24 |
| 15 Year Cash-out Refi | 6.24% | 4/28/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
460Origination Dollar Volume (All Markets)
$130,010,000Top 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% |
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 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
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
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
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
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
2022 saw Community First National Bank place emphasis on $200k-400k loans with 201 originations, totaling $57,695,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications92.71%
Community First National Bank has an average approval rate.
Pick Rate
Approvals leading to origination73.04%
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 |
LTV Distribution
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% |