Community First National Bank Mortgage Lending & HMDA Data, 2025

In 2025, Community First National Bank of Manhattan, KS reported 529 mortgage applications totaling $184.3 million, up 11% from 2024. The average application was for $348,364, and applicants reported an average income of $181,578. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Manhattan, KS (171), Kansas City, MO-KS (102) and Fort Worth-Arlington, TX (16) (applications in parentheses).

Mortgage Company & Address Community First National Bank
215 S Seth Child Rd
Manhattan, KS 66502
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 529
Total Mortgage Loan Application Amount $184,285,000
Average Mortgage Loan Application Amount $348,364
Highest Mortgage Loan Application Amount $2,005,000
Average Applicant Income $181,578
Highest Applicant Income $1,861,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Community First National Bank by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Riley, Kansas 133 $ 38,245,000 $ 287,556 $ 167,000
Johnson, Kansas 37 $ 14,825,000 $ 400,675 $ 163,000
Pottawatomie, Kansas 31 $ 8,825,000 $ 284,677 $ 142,000
Jackson, Missouri 27 $ 6,605,000 $ 244,629 $ 413,000
Parker, Texas 13 $ 4,815,000 $ 370,384 $ 167,000
Juneau, Alaska 11 $ 5,515,000 $ 501,363 $ 130,000
Platte, Missouri 11 $ 4,345,000 $ 395,000 $ 332,000
Wyandotte, Kansas 9 $ 1,345,000 $ 149,444 $ 87,000
Leavenworth, Kansas 8 $ 2,160,000 $ 270,000 $ 104,000
Geary, Kansas 7 $ 1,745,000 $ 249,285 $ 119,000
Clay, Missouri 7 $ 1,865,000 $ 266,428 $ 117,000
Fairbanks North Star, Alaska 6 $ 2,650,000 $ 441,666 $ 165,000
Shawnee, Kansas 6 $ 1,730,000 $ 288,333 $ 106,000
Maricopa, Arizona 5 $ 1,885,000 $ 377,000 $ 140,000
St. Charles, Missouri 4 $ 1,080,000 $ 270,000 $ 183,000
Raleigh, West Virginia 4 $ 1,010,000 $ 252,500 $ 87,000
Jefferson, Alabama 3 $ 565,000 $ 188,333 $ 427,000
Mobile, Alabama 3 $ 1,025,000 $ 341,666 $ 176,000
San Diego, California 3 $ 2,525,000 $ 841,666 $ 192,000
Marion, Florida 3 $ 645,000 $ 215,000 $ 301,000
Dickinson, Kansas 3 $ 555,000 $ 185,000 $ 122,000
Morris, Kansas 3 $ 1,365,000 $ 455,000 $ 269,000
Wabaunsee, Kansas 3 $ 865,000 $ 288,333 $ 136,000
Jefferson, Kentucky 3 $ 3,485,000 $ 1,161,666 $ 111,000
DeSoto, Mississippi 3 $ 495,000 $ 165,000 $ 415,000
St. Louis City, Missouri 3 $ 585,000 $ 195,000 $ 127,000
Clark, Nevada 3 $ 1,465,000 $ 488,333 $ 290,000
Oneida, New York 3 $ 685,000 $ 228,333 $ 77,000
Montgomery, Texas 3 $ 755,000 $ 251,666 $ 149,000
Arapahoe, Colorado 2 $ 660,000 $ 330,000 $ 140,000
Douglas, Colorado 2 $ 1,170,000 $ 585,000 $ 211,000
El Paso, Colorado 2 $ 1,500,000 $ 750,000 $ 234,000
Larimer, Colorado 2 $ 730,000 $ 365,000 $ 144,000
Broward, Florida 2 $ 870,000 $ 435,000 $ 126,000
Cobb, Georgia 2 $ 830,000 $ 415,000 $ 480,000
White, Georgia 2 $ 660,000 $ 330,000 $ 117,000
Hawaii, Hawaii 2 $ 1,860,000 $ 930,000 $ 140,000
Cook, Illinois 2 $ 1,260,000 $ 630,000 $ 102,000
Clay, Kansas 2 $ 330,000 $ 165,000 $ 68,000
Jefferson, Kansas 2 $ 410,000 $ 205,000 $ 107,000
Sedgwick, Kansas 2 $ 490,000 $ 245,000 $ 123,000
St. Mary's, Maryland 2 $ 850,000 $ 425,000 $ 388,000
Harrison, Mississippi 2 $ 630,000 $ 315,000 $ 64,000
Cass, Missouri 2 $ 590,000 $ 295,000 $ 93,000
Nye, Nevada 2 $ 1,010,000 $ 505,000 $ 175,000
Sandoval, New Mexico 2 $ 770,000 $ 385,000 $ 135,000
Erie, New York 2 $ 420,000 $ 210,000 $ 80,000
Bladen, North Carolina 2 $ 950,000 $ 475,000 $ 104,000
Oklahoma, Oklahoma 2 $ 1,330,000 $ 665,000 $ 239,000
Blount, Tennessee 2 $ 1,360,000 $ 680,000 $ 131,000
Franklin, Tennessee 2 $ 490,000 $ 245,000 $ 629,000
Hardeman, Tennessee 2 $ 980,000 $ 490,000 $ 190,000
Shelby, Tennessee 2 $ 230,000 $ 115,000 $ 409,000
Aransas, Texas 2 $ 560,000 $ 280,000 $ 109,000
Bell, Texas 2 $ 450,000 $ 225,000 $ 96,000
Tarrant, Texas 2 $ 810,000 $ 405,000 $ 115,000
Gloucester, Virginia 2 $ 720,000 $ 360,000 $ 243,000
Baldwin, Alabama 1 $ 435,000 $ 435,000 $ 196,000
Madison, Alabama 1 $ 265,000 $ 265,000 $ 395,000
Shelby, Alabama 1 $ 155,000 $ 155,000 $ 276,000
Pinal, Arizona 1 $ 395,000 $ 395,000 $ 156,000
Benton, Arkansas 1 $ 485,000 $ 485,000 $ 224,000
Garland, Arkansas 1 $ 145,000 $ 145,000 $ 76,000
Sharp, Arkansas 1 $ 125,000 $ 125,000 $ 118,000
Alameda, California 1 $ 1,145,000 $ 1,145,000 $ 301,000
San Bernardino, California 1 $ 365,000 $ 365,000 $ 91,000
San Luis Obispo, California 1 $ 655,000 $ 655,000 $ 94,000
Denver, Colorado 1 $ 445,000 $ 445,000 $ 138,000
Sussex, Delaware 1 $ 805,000 $ 805,000 $ 163,000
Bay, Florida 1 $ 425,000 $ 425,000 $ 0
Escambia, Florida 1 $ 335,000 $ 335,000 $ 126,000
Lake, Florida 1 $ 275,000 $ 275,000 $ 215,000
Lee, Florida 1 $ 385,000 $ 385,000 $ 98,000
Monroe, Florida 1 $ 805,000 $ 805,000 $ 0
Okaloosa, Florida 1 $ 295,000 $ 295,000 $ 120,000
Orange, Florida 1 $ 435,000 $ 435,000 $ 0
Pinellas, Florida 1 $ 555,000 $ 555,000 $ 0
Santa Rosa, Florida 1 $ 195,000 $ 195,000 $ 55,000
Sarasota, Florida 1 $ 685,000 $ 685,000 $ 237,000
St. Lucie, Florida 1 $ 365,000 $ 365,000 $ 63,000
Chatham, Georgia 1 $ 525,000 $ 525,000 $ 143,000
Forsyth, Georgia 1 $ 555,000 $ 555,000 $ 280,000
Fulton, Georgia 1 $ 805,000 $ 805,000 $ 308,000
Walton, Georgia 1 $ 665,000 $ 665,000 $ 139,000
Ada, Idaho 1 $ 545,000 $ 545,000 $ 197,000
Madison, Illinois 1 $ 375,000 $ 375,000 $ 105,000
Montgomery, Illinois 1 $ 75,000 $ 75,000 $ 24,000
Floyd, Indiana 1 $ 355,000 $ 355,000 $ 0
Lawrence, Indiana 1 $ 215,000 $ 215,000 $ 80,000
Black Hawk, Iowa 1 $ 275,000 $ 275,000 $ 87,000
Monona, Iowa 1 $ 145,000 $ 145,000 $ 74,000
Cloud, Kansas 1 $ 295,000 $ 295,000 $ 457,000
Ellsworth, Kansas 1 $ 95,000 $ 95,000 $ 43,000
Miami, Kansas 1 $ 685,000 $ 685,000 $ 233,000
Morton, Kansas 1 $ 125,000 $ 125,000 $ 233,000
Neosho, Kansas 1 $ 125,000 $ 125,000 $ 62,000
Republic, Kansas 1 $ 155,000 $ 155,000 $ 103,000
Saline, Kansas 1 $ 385,000 $ 385,000 $ 155,000
Sherman, Kansas 1 $ 95,000 $ 95,000 $ 74,000
Madison, Kentucky 1 $ 505,000 $ 505,000 $ 109,000
St. James, Louisiana 1 $ 605,000 $ 605,000 $ 287,000
Penobscot, Maine 1 $ 385,000 $ 385,000 $ 0
Baltimore, Maryland 1 $ 515,000 $ 515,000 $ 185,000
Middlesex, Massachusetts 1 $ 415,000 $ 415,000 $ 174,000
Worcester, Massachusetts 1 $ 395,000 $ 395,000 $ 188,000
Berrien, Michigan 1 $ 235,000 $ 235,000 $ 67,000
Ionia, Michigan 1 $ 345,000 $ 345,000 $ 105,000
Hennepin, Minnesota 1 $ 545,000 $ 545,000 $ 168,000
St. Louis, Minnesota 1 $ 265,000 $ 265,000 $ 148,000
Alcorn, Mississippi 1 $ 405,000 $ 405,000 $ 79,000
Stone, Mississippi 1 $ 255,000 $ 255,000 $ 118,000
Christian, Missouri 1 $ 535,000 $ 535,000 $ 245,000
Howell, Missouri 1 $ 215,000 $ 215,000 $ 63,000
Jasper, Missouri 1 $ 25,000 $ 25,000 $ 71,000
Jefferson, Missouri 1 $ 355,000 $ 355,000 $ 75,000
McDonald, Missouri 1 $ 595,000 $ 595,000 $ 161,000
Douglas, Nebraska 1 $ 245,000 $ 245,000 $ 0
Lancaster, Nebraska 1 $ 295,000 $ 295,000 $ 72,000
Washoe, Nevada 1 $ 565,000 $ 565,000 $ 154,000
Camden, New Jersey 1 $ 595,000 $ 595,000 $ 201,000
Hudson, New Jersey 1 $ 805,000 $ 805,000 $ 326,000
Middlesex, New Jersey 1 $ 545,000 $ 545,000 $ 216,000
Bernalillo, New Mexico 1 $ 495,000 $ 495,000 $ 0
Albany, New York 1 $ 495,000 $ 495,000 $ 125,000
Kings, New York 1 $ 805,000 $ 805,000 $ 165,000
Currituck, North Carolina 1 $ 445,000 $ 445,000 $ 184,000
Gaston, North Carolina 1 $ 155,000 $ 155,000 $ 32,000
McDowell, North Carolina 1 $ 265,000 $ 265,000 $ 61,000
New Hanover, North Carolina 1 $ 385,000 $ 385,000 $ 325,000
Onslow, North Carolina 1 $ 155,000 $ 155,000 $ 81,000
Erie, Ohio 1 $ 255,000 $ 255,000 $ 128,000
Lake, Ohio 1 $ 275,000 $ 275,000 $ 85,000
Montgomery, Ohio 1 $ 55,000 $ 55,000 $ 28,000
Canadian, Oklahoma 1 $ 325,000 $ 325,000 $ 105,000
Cleveland, Oklahoma 1 $ 255,000 $ 255,000 $ 61,000
Kay, Oklahoma 1 $ 175,000 $ 175,000 $ 105,000
Clackamas, Oregon 1 $ 735,000 $ 735,000 $ 185,000
Curry, Oregon 1 $ 325,000 $ 325,000 $ 62,000
Allegheny, Pennsylvania 1 $ 125,000 $ 125,000 $ 48,000
Luzerne, Pennsylvania 1 $ 155,000 $ 155,000 $ 31,000
Westmoreland, Pennsylvania 1 $ 275,000 $ 275,000 $ 83,000
Charleston, South Carolina 1 $ 805,000 $ 805,000 $ 247,000
Richland, South Carolina 1 $ 235,000 $ 235,000 $ 0
Cheatham, Tennessee 1 $ 345,000 $ 345,000 $ 132,000
Cumberland, Tennessee 1 $ 435,000 $ 435,000 $ 170,000
Davidson, Tennessee 1 $ 135,000 $ 135,000 $ 65,000
Hamilton, Tennessee 1 $ 195,000 $ 195,000 $ 394,000
Loudon, Tennessee 1 $ 775,000 $ 775,000 $ 191,000
Montgomery, Tennessee 1 $ 135,000 $ 135,000 $ 218,000
Rutherford, Tennessee 1 $ 405,000 $ 405,000 $ 694,000
Sevier, Tennessee 1 $ 445,000 $ 445,000 $ 144,000
Andrews, Texas 1 $ 515,000 $ 515,000 $ 185,000
Denton, Texas 1 $ 415,000 $ 415,000 $ 207,000
Gaines, Texas 1 $ 235,000 $ 235,000 $ 103,000
Guadalupe, Texas 1 $ 295,000 $ 295,000 $ 90,000
Harris, Texas 1 $ 505,000 $ 505,000 $ 406,000
Hopkins, Texas 1 $ 425,000 $ 425,000 $ 293,000
Kaufman, Texas 1 $ 1,665,000 $ 1,665,000 $ 351,000
Randall, Texas 1 $ 255,000 $ 255,000 $ 155,000
Wise, Texas 1 $ 1,525,000 $ 1,525,000 $ 412,000
Wood, Texas 1 $ 205,000 $ 205,000 $ 48,000
Franklin, Vermont 1 $ 395,000 $ 395,000 $ 127,000
Fairfax, Virginia 1 $ 805,000 $ 805,000 $ 245,000
Hampton, Virginia 1 $ 395,000 $ 395,000 $ 143,000
Newport News, Virginia 1 $ 245,000 $ 245,000 $ 0
Prince William, Virginia 1 $ 585,000 $ 585,000 $ 112,000
Virginia Beach, Virginia 1 $ 335,000 $ 335,000 $ 59,000
Benton, Washington 1 $ 355,000 $ 355,000 $ 100,000
Jefferson, West Virginia 1 $ 745,000 $ 745,000 $ 252,000
Mercer, West Virginia 1 $ 225,000 $ 225,000 $ 88,000
Summers, West Virginia 1 $ 595,000 $ 595,000 $ 169,000
Waukesha, Wisconsin 1 $ 605,000 $ 605,000 $ 182,000

Mortgage Loan Application Detail Totals for Community First National Bank in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 389 $133,845,000 $344,000 $2,005,000 $175,000 $1,861,000
Refinancing 74 $27,770,000 $375,000 $1,635,000 $215,000 $1,379,000
Cash-out Refinancing 55 $19,705,000 $358,000 $1,665,000 $192,000 $1,379,000
Other Purpose 6 $1,670,000 $278,000 $805,000 $120,000 $224,000
Home Improvement 5 $1,295,000 $259,000 $605,000 $158,000 $420,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 353 $122,285,000 $346,000 $2,005,000 $161,000 $1,861,000
Not Provided 51 $18,155,000 $355,000 $875,000 $193,000 $694,000
Hispanic 45 $14,865,000 $330,000 $1,525,000 $176,000 $513,000
Asian 36 $12,200,000 $338,000 $1,145,000 $377,000 $1,617,000
Black or African American 21 $7,655,000 $364,000 $1,665,000 $126,000 $406,000
Not applicable 18 $7,370,000 $409,000 $965,000 $0 $0
American Indian or Alaskan Native 5 $1,755,000 $351,000 $425,000 $184,000 $478,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 326 $100,950,000 $309,000 $2,005,000 $210,000 $1,861,000
VA-guaranteed (Veterans Administration) 168 $73,390,000 $436,000 $1,665,000 $137,000 $412,000
FHA-insured (Federal Housing Administration) 34 $9,770,000 $287,000 $565,000 $100,000 $250,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $175,000 $175,000 $175,000 $77,000 $77,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 433 $151,035,000 $348,000 $2,005,000 $179,000 $1,861,000
Application Withdrawn By Applicant 76 $25,700,000 $338,000 $1,145,000 $186,000 $1,617,000
Application Denied By Financial Institution 18 $6,240,000 $346,000 $745,000 $179,000 $513,000
Application Approved But Not Accepted 2 $1,310,000 $655,000 $805,000 $285,000 $406,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 511 $178,045,000 $348,000 $2,005,000 $180,000 $1,861,000
Credit History 8 $2,230,000 $278,000 $705,000 $181,000 $513,000
Collateral 7 $3,155,000 $450,000 $745,000 $199,000 $457,000
Debt-To-Income Ratio 2 $490,000 $245,000 $285,000 $117,000 $168,000
Unverifiable Information 1 $365,000 $365,000 $365,000 $144,000 $144,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First National Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Community First National Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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