Community First National Bank Mortgage Lending & HMDA Data, 2015

In 2015, Community First National Bank of Manhattan, KS reported 1,548 mortgage applications totaling $282.8 million, up 728% from 2014. The average application was for $182,675, and applicants reported an average income of $85,701. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Kansas City, MO-KS (243), Waterloo-Cedar Falls, IA (211) and Manhattan, KS (166) (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 1,548
Total Mortgage Loan Application Amount $282,781,000
Average Mortgage Loan Application Amount $182,675
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $85,701
Highest Applicant Income $1,180,000

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records Community First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Black Hawk, Iowa 197 $ 25,473,000 $ 129,304 $ 54,000
Riley, Kansas 127 $ 22,657,000 $ 178,401 $ 102,000
Johnson, Kansas 117 $ 27,539,000 $ 235,376 $ 106,000
Hidalgo, Texas 105 $ 15,882,000 $ 151,257 $ 87,000
Jackson, Missouri 55 $ 7,865,000 $ 143,000 $ 85,000
Shelby, Tennessee 41 $ 3,162,000 $ 77,121 $ 136,000
Pottawatomie, Kansas 39 $ 8,848,000 $ 226,871 $ 96,000
Douglas, Nebraska 39 $ 7,616,000 $ 195,282 $ 99,000
Lancaster, Nebraska 31 $ 5,360,000 $ 172,903 $ 78,000
Kerr, Texas 31 $ 4,551,000 $ 146,806 $ 85,000
Clay, Missouri 30 $ 5,793,000 $ 193,100 $ 100,000
Tarrant, Texas 28 $ 3,508,000 $ 125,285 $ 152,000
Boone, Missouri 14 $ 2,254,000 $ 161,000 $ 59,000
Harris, Texas 14 $ 2,248,000 $ 160,571 $ 116,000
Marion, Indiana 12 $ 1,065,000 $ 88,750 $ 97,000
Butler, Iowa 11 $ 987,000 $ 89,727 $ 50,000
Platte, Missouri 11 $ 2,036,000 $ 185,090 $ 74,000
Bremer, Iowa 10 $ 1,598,000 $ 159,800 $ 52,000
Los Angeles, California 8 $ 5,054,000 $ 631,750 $ 137,000
Cass, Missouri 8 $ 1,250,000 $ 156,250 $ 50,000
Nodaway, Missouri 8 $ 870,000 $ 108,750 $ 67,000
Benton, Arkansas 7 $ 1,770,000 $ 252,857 $ 126,000
San Diego, California 7 $ 3,273,000 $ 467,571 $ 104,000
Fulton, Georgia 7 $ 1,486,000 $ 212,285 $ 103,000
Wyandotte, Kansas 7 $ 871,000 $ 124,428 $ 43,000
Clark, Nevada 7 $ 2,082,000 $ 297,428 $ 55,000
Dallas, Texas 7 $ 1,170,000 $ 167,142 $ 195,000
Jefferson, Alabama 6 $ 428,000 $ 71,333 $ 123,000
Maricopa, Arizona 6 $ 1,799,000 $ 299,833 $ 132,000
Duval, Florida 6 $ 697,000 $ 116,166 $ 228,000
Leavenworth, Kansas 6 $ 1,051,000 $ 175,166 $ 51,000
Starr, Texas 6 $ 805,000 $ 134,166 $ 47,000
San Bernardino, California 5 $ 1,329,000 $ 265,800 $ 172,000
Palm Beach, Florida 5 $ 1,304,000 $ 260,800 $ 86,000
Cook, Illinois 5 $ 937,000 $ 187,400 $ 88,000
Benton, Iowa 5 $ 423,000 $ 84,600 $ 49,000
Douglas, Kansas 5 $ 825,000 $ 165,000 $ 150,000
Sedgwick, Kansas 5 $ 954,000 $ 190,800 $ 65,000
Wabaunsee, Kansas 5 $ 860,000 $ 172,000 $ 66,000
Prince George's, Maryland 5 $ 1,124,000 $ 224,800 $ 122,000
Ocean, New Jersey 5 $ 1,575,000 $ 315,000 $ 85,000
Montgomery, Tennessee 5 $ 1,154,000 $ 230,800 $ 78,000
Kleberg, Texas 5 $ 950,000 $ 190,000 $ 316,000
Riverside, California 4 $ 1,395,000 $ 348,750 $ 35,000
Sacramento, California 4 $ 1,137,000 $ 284,250 $ 44,000
Grundy, Iowa 4 $ 284,000 $ 71,000 $ 37,000
Polk, Iowa 4 $ 762,000 $ 190,500 $ 66,000
Miami, Kansas 4 $ 662,000 $ 165,500 $ 70,000
Montgomery, Maryland 4 $ 856,000 $ 214,000 $ 59,000
Sarpy, Nebraska 4 $ 613,000 $ 153,250 $ 94,000
Washington, Nebraska 4 $ 525,000 $ 131,250 $ 59,000
Beaufort, South Carolina 4 $ 913,000 $ 228,250 $ 60,000
Cameron, Texas 4 $ 473,000 $ 118,250 $ 69,000
Loudoun, Virginia 4 $ 1,304,000 $ 326,000 $ 80,000
Cochise, Arizona 3 $ 544,000 $ 181,333 $ 47,000
Orange, California 3 $ 1,738,000 $ 579,333 $ 145,000
Solano, California 3 $ 843,000 $ 281,000 $ 79,000
El Paso, Colorado 3 $ 653,000 $ 217,666 $ 84,000
Weld, Colorado 3 $ 756,000 $ 252,000 $ 83,000
Citrus, Florida 3 $ 452,000 $ 150,666 $ 62,000
Hillsborough, Florida 3 $ 321,000 $ 107,000 $ 53,000
Lee, Florida 3 $ 507,000 $ 169,000 $ 142,000
Pinellas, Florida 3 $ 567,000 $ 189,000 $ 71,000
Buchanan, Iowa 3 $ 239,000 $ 79,666 $ 23,000
Fayette, Iowa 3 $ 353,000 $ 117,666 $ 73,000
Keokuk, Iowa 3 $ 401,000 $ 133,666 $ 75,000
Pottawattamie, Iowa 3 $ 374,000 $ 124,666 $ 37,000
Geary, Kansas 3 $ 519,000 $ 173,000 $ 101,000
Orleans, Louisiana 3 $ 1,585,000 $ 528,333 $ 182,000
McDonald, Missouri 3 $ 320,000 $ 106,666 $ 67,000
Ray, Missouri 3 $ 423,000 $ 141,000 $ 77,000
St. Louis, Missouri 3 $ 460,000 $ 153,333 $ 72,000
Stark, Ohio 3 $ 473,000 $ 157,666 $ 57,000
Philadelphia, Pennsylvania 3 $ 297,000 $ 99,000 $ 38,000
Bell, Texas 3 $ 604,000 $ 201,333 $ 18,000
Brooks, Texas 3 $ 529,000 $ 176,333 $ 87,000
Jim Wells, Texas 3 $ 681,000 $ 227,000 $ 140,000
Travis, Texas 3 $ 607,000 $ 202,333 $ 104,000
Fairfax, Virginia 3 $ 2,956,000 $ 985,333 $ 282,000
Prince William, Virginia 3 $ 1,286,000 $ 428,666 $ 80,000
Pierce, Washington 3 $ 869,000 $ 289,666 $ 49,000
Calhoun, Alabama 2 $ 329,000 $ 164,500 $ 28,000
Tuscaloosa, Alabama 2 $ 162,000 $ 81,000 $ 72,000
Mohave, Arizona 2 $ 275,000 $ 137,500 $ 43,000
Pima, Arizona 2 $ 370,000 $ 185,000 $ 105,000
Alameda, California 2 $ 888,000 $ 444,000 $ 41,000
Kern, California 2 $ 286,000 $ 143,000 $ 60,000
Merced, California 2 $ 717,000 $ 358,500 $ 82,000
San Mateo, California 2 $ 1,231,000 $ 615,500 $ 73,000
Hartford, Connecticut 2 $ 284,000 $ 142,000 $ 29,000
Highlands, Florida 2 $ 230,000 $ 115,000 $ 73,000
Levy, Florida 2 $ 437,000 $ 218,500 $ 64,000
Monroe, Florida 2 $ 677,000 $ 338,500 $ 103,000
Orange, Florida 2 $ 453,000 $ 226,500 $ 87,000
Pasco, Florida 2 $ 253,000 $ 126,500 $ 43,000
Columbia, Georgia 2 $ 490,000 $ 245,000 $ 81,000
Honolulu, Hawaii 2 $ 577,000 $ 288,500 $ 98,000
Knox, Illinois 2 $ 145,000 $ 72,500 $ 23,000
Hamilton, Iowa 2 $ 121,000 $ 60,500 $ 86,000
Linn, Iowa 2 $ 239,000 $ 119,500 $ 30,000
Tama, Iowa 2 $ 306,000 $ 153,000 $ 52,000
Winneshiek, Iowa 2 $ 217,000 $ 108,500 $ 58,000
Shawnee, Kansas 2 $ 350,000 $ 175,000 $ 82,000
Madison, Kentucky 2 $ 295,000 $ 147,500 $ 71,000
Pulaski, Kentucky 2 $ 213,000 $ 106,500 $ 30,000
Bossier, Louisiana 2 $ 392,000 $ 196,000 $ 75,000
Wayne, Michigan 2 $ 271,000 $ 135,500 $ 59,000
Audrain, Missouri 2 $ 204,000 $ 102,000 $ 47,000
Grundy, Missouri 2 $ 188,000 $ 94,000 $ 63,000
Randolph, Missouri 2 $ 147,000 $ 73,500 $ 50,000
Oneida, New York 2 $ 291,000 $ 145,500 $ 17,000
Granville, North Carolina 2 $ 544,000 $ 272,000 $ 43,000
Onslow, North Carolina 2 $ 527,000 $ 263,500 $ 19,000
Hamilton, Ohio 2 $ 237,000 $ 118,500 $ 21,000
Tulsa, Oklahoma 2 $ 209,000 $ 104,500 $ 156,000
Multnomah, Oregon 2 $ 462,000 $ 231,000 $ 87,000
Berks, Pennsylvania 2 $ 408,000 $ 204,000 $ 135,000
Horry, South Carolina 2 $ 233,000 $ 116,500 $ 42,000
Davidson, Tennessee 2 $ 450,000 $ 225,000 $ 31,000
Rutherford, Tennessee 2 $ 221,000 $ 110,500 $ 34,000
Bandera, Texas 2 $ 391,000 $ 195,500 $ 65,000
Bosque, Texas 2 $ 233,000 $ 116,500 $ 67,000
Brazos, Texas 2 $ 343,000 $ 171,500 $ 68,000
Collin, Texas 2 $ 468,000 $ 234,000 $ 57,000
Denton, Texas 2 $ 493,000 $ 246,500 $ 166,000
Fort Bend, Texas 2 $ 587,000 $ 293,500 $ 110,000
Johnson, Texas 2 $ 249,000 $ 124,500 $ 106,000
Montgomery, Texas 2 $ 451,000 $ 225,500 $ 70,000
Williamson, Texas 2 $ 446,000 $ 223,000 $ 97,000
Salt Lake, Utah 2 $ 555,000 $ 277,500 $ 35,000
Fauquier, Virginia 2 $ 1,009,000 $ 504,500 $ 246,000
Mecklenburg, Virginia 2 $ 556,000 $ 278,000 $ 225,000
Stafford, Virginia 2 $ 657,000 $ 328,500 $ 52,000
Benton, Washington 2 $ 454,000 $ 227,000 $ 42,000
Autauga, Alabama 1 $ 71,000 $ 71,000 $ 0
Etowah, Alabama 1 $ 183,000 $ 183,000 $ 75,000
Lauderdale, Alabama 1 $ 125,000 $ 125,000 $ 30,000
Limestone, Alabama 1 $ 78,000 $ 78,000 $ 29,000
Madison, Alabama 1 $ 275,000 $ 275,000 $ 155,000
Mobile, Alabama 1 $ 250,000 $ 250,000 $ 138,000
Randolph, Alabama 1 $ 395,000 $ 395,000 $ 211,000
Shelby, Alabama 1 $ 285,000 $ 285,000 $ 65,000
Pinal, Arizona 1 $ 103,000 $ 103,000 $ 47,000
Yavapai, Arizona 1 $ 547,000 $ 547,000 $ 249,000
Boone, Arkansas 1 $ 50,000 $ 50,000 $ 66,000
Carroll, Arkansas 1 $ 90,000 $ 90,000 $ 141,000
Faulkner, Arkansas 1 $ 75,000 $ 75,000 $ 59,000
Pulaski, Arkansas 1 $ 87,000 $ 87,000 $ 237,000
Saline, Arkansas 1 $ 236,000 $ 236,000 $ 69,000
Sebastian, Arkansas 1 $ 66,000 $ 66,000 $ 49,000
Yell, Arkansas 1 $ 93,000 $ 93,000 $ 0
Butte, California 1 $ 285,000 $ 285,000 $ 75,000
Calaveras, California 1 $ 428,000 $ 428,000 $ 127,000
Contra Costa, California 1 $ 414,000 $ 414,000 $ 170,000
Del Norte, California 1 $ 153,000 $ 153,000 $ 55,000
Kings, California 1 $ 152,000 $ 152,000 $ 58,000
Placer, California 1 $ 354,000 $ 354,000 $ 93,000
Santa Barbara, California 1 $ 371,000 $ 371,000 $ 0
Santa Clara, California 1 $ 1,100,000 $ 1,100,000 $ 250,000
Santa Cruz, California 1 $ 380,000 $ 380,000 $ 0
Sonoma, California 1 $ 343,000 $ 343,000 $ 0
Sutter, California 1 $ 235,000 $ 235,000 $ 51,000
Tulare, California 1 $ 167,000 $ 167,000 $ 72,000
Yolo, California 1 $ 400,000 $ 400,000 $ 0
Yuba, California 1 $ 165,000 $ 165,000 $ 41,000
Adams, Colorado 1 $ 309,000 $ 309,000 $ 147,000
Alamosa, Colorado 1 $ 207,000 $ 207,000 $ 88,000
Archuleta, Colorado 1 $ 153,000 $ 153,000 $ 89,000
Denver, Colorado 1 $ 331,000 $ 331,000 $ 173,000
Douglas, Colorado 1 $ 306,000 $ 306,000 $ 50,000
Eagle, Colorado 1 $ 216,000 $ 216,000 $ 117,000
Elbert, Colorado 1 $ 316,000 $ 316,000 $ 0
Fremont, Colorado 1 $ 93,000 $ 93,000 $ 44,000
Garfield, Colorado 1 $ 224,000 $ 224,000 $ 70,000
Jefferson, Colorado 1 $ 230,000 $ 230,000 $ 87,000
Moffat, Colorado 1 $ 159,000 $ 159,000 $ 86,000
Summit, Colorado 1 $ 152,000 $ 152,000 $ 81,000
Fairfield, Connecticut 1 $ 290,000 $ 290,000 $ 165,000
Kent, Delaware 1 $ 280,000 $ 280,000 $ 96,000
New Castle, Delaware 1 $ 151,000 $ 151,000 $ 48,000
Sussex, Delaware 1 $ 145,000 $ 145,000 $ 59,000
District of Columbia, District Of Columbia 1 $ 641,000 $ 641,000 $ 123,000
Brevard, Florida 1 $ 453,000 $ 453,000 $ 95,000
Broward, Florida 1 $ 413,000 $ 413,000 $ 0
Charlotte, Florida 1 $ 95,000 $ 95,000 $ 30,000
Clay, Florida 1 $ 134,000 $ 134,000 $ 73,000
Hernando, Florida 1 $ 57,000 $ 57,000 $ 38,000
Marion, Florida 1 $ 60,000 $ 60,000 $ 58,000
Martin, Florida 1 $ 275,000 $ 275,000 $ 100,000
Polk, Florida 1 $ 200,000 $ 200,000 $ 91,000
Santa Rosa, Florida 1 $ 107,000 $ 107,000 $ 82,000
Sarasota, Florida 1 $ 650,000 $ 650,000 $ 209,000
Seminole, Florida 1 $ 183,000 $ 183,000 $ 0
St. Lucie, Florida 1 $ 240,000 $ 240,000 $ 51,000
Bryan, Georgia 1 $ 255,000 $ 255,000 $ 80,000
Bulloch, Georgia 1 $ 164,000 $ 164,000 $ 73,000
Cherokee, Georgia 1 $ 320,000 $ 320,000 $ 124,000
Cobb, Georgia 1 $ 86,000 $ 86,000 $ 29,000
Effingham, Georgia 1 $ 270,000 $ 270,000 $ 48,000
Gilmer, Georgia 1 $ 119,000 $ 119,000 $ 54,000
Hart, Georgia 1 $ 75,000 $ 75,000 $ 15,000
Henry, Georgia 1 $ 234,000 $ 234,000 $ 123,000
Jackson, Georgia 1 $ 196,000 $ 196,000 $ 72,000
Laurens, Georgia 1 $ 92,000 $ 92,000 $ 94,000
Mitchell, Georgia 1 $ 106,000 $ 106,000 $ 45,000
Murray, Georgia 1 $ 85,000 $ 85,000 $ 34,000
Muscogee, Georgia 1 $ 140,000 $ 140,000 $ 64,000
Richmond, Georgia 1 $ 82,000 $ 82,000 $ 100,000
Sumter, Georgia 1 $ 95,000 $ 95,000 $ 47,000
White, Georgia 1 $ 245,000 $ 245,000 $ 88,000
Ada, Idaho 1 $ 405,000 $ 405,000 $ 88,000
Boise, Idaho 1 $ 150,000 $ 150,000 $ 64,000
Canyon, Idaho 1 $ 150,000 $ 150,000 $ 30,000
Gem, Idaho 1 $ 84,000 $ 84,000 $ 113,000
Kootenai, Idaho 1 $ 456,000 $ 456,000 $ 0
Clinton, Illinois 1 $ 38,000 $ 38,000 $ 136,000
DeKalb, Illinois 1 $ 144,000 $ 144,000 $ 45,000
Kane, Illinois 1 $ 320,000 $ 320,000 $ 36,000
Lake, Illinois 1 $ 212,000 $ 212,000 $ 62,000
Madison, Illinois 1 $ 77,000 $ 77,000 $ 29,000
McDonough, Illinois 1 $ 90,000 $ 90,000 $ 34,000
St. Clair, Illinois 1 $ 154,000 $ 154,000 $ 63,000
Vermilion, Illinois 1 $ 75,000 $ 75,000 $ 48,000
Dubois, Indiana 1 $ 319,000 $ 319,000 $ 130,000
Hamilton, Indiana 1 $ 411,000 $ 411,000 $ 166,000
Hancock, Indiana 1 $ 91,000 $ 91,000 $ 36,000
Hendricks, Indiana 1 $ 96,000 $ 96,000 $ 223,000
LaPorte, Indiana 1 $ 155,000 $ 155,000 $ 80,000
Monroe, Indiana 1 $ 175,000 $ 175,000 $ 43,000
Newton, Indiana 1 $ 156,000 $ 156,000 $ 0
White, Indiana 1 $ 53,000 $ 53,000 $ 65,000
Allamakee, Iowa 1 $ 64,000 $ 64,000 $ 39,000
Chickasaw, Iowa 1 $ 74,000 $ 74,000 $ 21,000
Clayton, Iowa 1 $ 129,000 $ 129,000 $ 40,000
Dallas, Iowa 1 $ 71,000 $ 71,000 $ 70,000
Franklin, Iowa 1 $ 55,000 $ 55,000 $ 21,000
Kossuth, Iowa 1 $ 137,000 $ 137,000 $ 0
Lucas, Iowa 1 $ 130,000 $ 130,000 $ 69,000
Scott, Iowa 1 $ 80,000 $ 80,000 $ 49,000
Sioux, Iowa 1 $ 77,000 $ 77,000 $ 39,000
Wapello, Iowa 1 $ 130,000 $ 130,000 $ 60,000
Woodbury, Iowa 1 $ 267,000 $ 267,000 $ 0
Barton, Kansas 1 $ 129,000 $ 129,000 $ 50,000
Cowley, Kansas 1 $ 149,000 $ 149,000 $ 80,000
Dickinson, Kansas 1 $ 84,000 $ 84,000 $ 0
Franklin, Kansas 1 $ 255,000 $ 255,000 $ 57,000
Harvey, Kansas 1 $ 224,000 $ 224,000 $ 0
Jefferson, Kansas 1 $ 110,000 $ 110,000 $ 76,000
Labette, Kansas 1 $ 300,000 $ 300,000 $ 83,000
Montgomery, Kansas 1 $ 81,000 $ 81,000 $ 42,000
Christian, Kentucky 1 $ 149,000 $ 149,000 $ 84,000
Knox, Kentucky 1 $ 170,000 $ 170,000 $ 49,000
Calcasieu, Louisiana 1 $ 82,000 $ 82,000 $ 33,000
East Baton Rouge, Louisiana 1 $ 326,000 $ 326,000 $ 145,000
St. James, Louisiana 1 $ 375,000 $ 375,000 $ 133,000
Cumberland, Maine 1 $ 236,000 $ 236,000 $ 106,000
Sagadahoc, Maine 1 $ 391,000 $ 391,000 $ 212,000
Anne Arundel, Maryland 1 $ 349,000 $ 349,000 $ 54,000
Baltimore City, Maryland 1 $ 123,000 $ 123,000 $ 148,000
Frederick, Maryland 1 $ 466,000 $ 466,000 $ 0
Howard, Maryland 1 $ 324,000 $ 324,000 $ 0
Bristol, Massachusetts 1 $ 382,000 $ 382,000 $ 121,000
Cheboygan, Michigan 1 $ 138,000 $ 138,000 $ 46,000
Clinton, Michigan 1 $ 150,000 $ 150,000 $ 51,000
Kent, Michigan 1 $ 259,000 $ 259,000 $ 95,000
Lenawee, Michigan 1 $ 148,000 $ 148,000 $ 58,000
Macomb, Michigan 1 $ 255,000 $ 255,000 $ 135,000
Anoka, Minnesota 1 $ 170,000 $ 170,000 $ 45,000
Hennepin, Minnesota 1 $ 120,000 $ 120,000 $ 48,000
Itasca, Minnesota 1 $ 273,000 $ 273,000 $ 81,000
Sherburne, Minnesota 1 $ 196,000 $ 196,000 $ 73,000
Stearns, Minnesota 1 $ 97,000 $ 97,000 $ 82,000
Wright, Minnesota 1 $ 231,000 $ 231,000 $ 72,000
Copiah, Mississippi 1 $ 55,000 $ 55,000 $ 37,000
Forrest, Mississippi 1 $ 218,000 $ 218,000 $ 49,000
Harrison, Mississippi 1 $ 385,000 $ 385,000 $ 0
Rankin, Mississippi 1 $ 212,000 $ 212,000 $ 0
Buchanan, Missouri 1 $ 97,000 $ 97,000 $ 42,000
Callaway, Missouri 1 $ 118,000 $ 118,000 $ 0
Christian, Missouri 1 $ 129,000 $ 129,000 $ 31,000
Clinton, Missouri 1 $ 105,000 $ 105,000 $ 59,000
Cole, Missouri 1 $ 230,000 $ 230,000 $ 74,000
Cooper, Missouri 1 $ 54,000 $ 54,000 $ 0
Jasper, Missouri 1 $ 82,000 $ 82,000 $ 33,000
Jefferson, Missouri 1 $ 132,000 $ 132,000 $ 62,000
Johnson, Missouri 1 $ 85,000 $ 85,000 $ 44,000
Lafayette, Missouri 1 $ 170,000 $ 170,000 $ 45,000
Linn, Missouri 1 $ 58,000 $ 58,000 $ 49,000
Miller, Missouri 1 $ 124,000 $ 124,000 $ 51,000
Newton, Missouri 1 $ 67,000 $ 67,000 $ 36,000
Broadwater, Montana 1 $ 86,000 $ 86,000 $ 20,000
Gallatin, Montana 1 $ 180,000 $ 180,000 $ 60,000
Yellowstone, Montana 1 $ 331,000 $ 331,000 $ 89,000
Seward, Nebraska 1 $ 258,000 $ 258,000 $ 133,000
Wayne, Nebraska 1 $ 209,000 $ 209,000 $ 56,000
Nye, Nevada 1 $ 80,000 $ 80,000 $ 35,000
Cheshire, New Hampshire 1 $ 137,000 $ 137,000 $ 0
Merrimack, New Hampshire 1 $ 115,000 $ 115,000 $ 36,000
Cape May, New Jersey 1 $ 259,000 $ 259,000 $ 0
Hudson, New Jersey 1 $ 647,000 $ 647,000 $ 209,000
Monmouth, New Jersey 1 $ 416,000 $ 416,000 $ 75,000
Salem, New Jersey 1 $ 123,000 $ 123,000 $ 33,000
Somerset, New Jersey 1 $ 264,000 $ 264,000 $ 60,000
Chaves, New Mexico 1 $ 88,000 $ 88,000 $ 36,000
Cattaraugus, New York 1 $ 50,000 $ 50,000 $ 58,000
Cayuga, New York 1 $ 149,000 $ 149,000 $ 69,000
Dutchess, New York 1 $ 199,000 $ 199,000 $ 0
Erie, New York 1 $ 179,000 $ 179,000 $ 62,000
Kings, New York 1 $ 675,000 $ 675,000 $ 245,000
Monroe, New York 1 $ 78,000 $ 78,000 $ 115,000
Nassau, New York 1 $ 329,000 $ 329,000 $ 145,000
Saratoga, New York 1 $ 194,000 $ 194,000 $ 92,000
Tompkins, New York 1 $ 95,000 $ 95,000 $ 60,000
Westchester, New York 1 $ 446,000 $ 446,000 $ 77,000
Alamance, North Carolina 1 $ 169,000 $ 169,000 $ 60,000
Burke, North Carolina 1 $ 108,000 $ 108,000 $ 62,000
Carteret, North Carolina 1 $ 139,000 $ 139,000 $ 66,000
Craven, North Carolina 1 $ 45,000 $ 45,000 $ 41,000
Currituck, North Carolina 1 $ 210,000 $ 210,000 $ 160,000
Gaston, North Carolina 1 $ 120,000 $ 120,000 $ 45,000
Haywood, North Carolina 1 $ 137,000 $ 137,000 $ 77,000
Hyde, North Carolina 1 $ 63,000 $ 63,000 $ 64,000
Jackson, North Carolina 1 $ 61,000 $ 61,000 $ 46,000
Mecklenburg, North Carolina 1 $ 315,000 $ 315,000 $ 115,000
Rowan, North Carolina 1 $ 70,000 $ 70,000 $ 60,000
Transylvania, North Carolina 1 $ 165,000 $ 165,000 $ 175,000
Wilkes, North Carolina 1 $ 120,000 $ 120,000 $ 46,000
Athens, Ohio 1 $ 118,000 $ 118,000 $ 65,000
Clinton, Ohio 1 $ 160,000 $ 160,000 $ 38,000
Franklin, Ohio 1 $ 161,000 $ 161,000 $ 0
Lorain, Ohio 1 $ 128,000 $ 128,000 $ 110,000
Wayne, Ohio 1 $ 102,000 $ 102,000 $ 59,000
Comanche, Oklahoma 1 $ 125,000 $ 125,000 $ 87,000
Garvin, Oklahoma 1 $ 92,000 $ 92,000 $ 44,000
Lincoln, Oklahoma 1 $ 103,000 $ 103,000 $ 68,000
Washington, Oklahoma 1 $ 83,000 $ 83,000 $ 24,000
Bradford, Pennsylvania 1 $ 112,000 $ 112,000 $ 71,000
Erie, Pennsylvania 1 $ 140,000 $ 140,000 $ 289,000
Westmoreland, Pennsylvania 1 $ 407,000 $ 407,000 $ 106,000
Kent, Rhode Island 1 $ 153,000 $ 153,000 $ 52,000
Washington, Rhode Island 1 $ 515,000 $ 515,000 $ 139,000
Berkeley, South Carolina 1 $ 587,000 $ 587,000 $ 0
Charleston, South Carolina 1 $ 102,000 $ 102,000 $ 58,000
Cherokee, South Carolina 1 $ 100,000 $ 100,000 $ 21,000
Chester, South Carolina 1 $ 86,000 $ 86,000 $ 106,000
Darlington, South Carolina 1 $ 74,000 $ 74,000 $ 33,000
Florence, South Carolina 1 $ 113,000 $ 113,000 $ 27,000
Greenville, South Carolina 1 $ 292,000 $ 292,000 $ 112,000
Laurens, South Carolina 1 $ 64,000 $ 64,000 $ 44,000
Richland, South Carolina 1 $ 175,000 $ 175,000 $ 58,000
Buffalo, South Dakota 1 $ 180,000 $ 180,000 $ 86,000
Hughes, South Dakota 1 $ 160,000 $ 160,000 $ 93,000
Pennington, South Dakota 1 $ 186,000 $ 186,000 $ 0
Hamilton, Tennessee 1 $ 110,000 $ 110,000 $ 68,000
Bastrop, Texas 1 $ 32,000 $ 32,000 $ 113,000
Bexar, Texas 1 $ 292,000 $ 292,000 $ 108,000
Burnet, Texas 1 $ 130,000 $ 130,000 $ 30,000
Ellis, Texas 1 $ 334,000 $ 334,000 $ 0
Hays, Texas 1 $ 224,000 $ 224,000 $ 55,000
Liberty, Texas 1 $ 81,000 $ 81,000 $ 42,000
Midland, Texas 1 $ 318,000 $ 318,000 $ 146,000
Wharton, Texas 1 $ 124,000 $ 124,000 $ 147,000
Davis, Utah 1 $ 210,000 $ 210,000 $ 0
Washington, Utah 1 $ 288,000 $ 288,000 $ 74,000
Orleans, Vermont 1 $ 295,000 $ 295,000 $ 228,000
Albemarle, Virginia 1 $ 353,000 $ 353,000 $ 100,000
Bristol, Virginia 1 $ 75,000 $ 75,000 $ 98,000
Campbell, Virginia 1 $ 255,000 $ 255,000 $ 37,000
Caroline, Virginia 1 $ 87,000 $ 87,000 $ 39,000
Chesapeake, Virginia 1 $ 302,000 $ 302,000 $ 118,000
Hampton, Virginia 1 $ 212,000 $ 212,000 $ 50,000
Isle of Wight, Virginia 1 $ 191,000 $ 191,000 $ 47,000
Lunenburg, Virginia 1 $ 167,000 $ 167,000 $ 56,000
Newport News, Virginia 1 $ 160,000 $ 160,000 $ 75,000
Spotsylvania, Virginia 1 $ 212,000 $ 212,000 $ 67,000
Tazewell, Virginia 1 $ 78,000 $ 78,000 $ 56,000
Virginia Beach, Virginia 1 $ 215,000 $ 215,000 $ 152,000
York, Virginia 1 $ 135,000 $ 135,000 $ 32,000
Clark, Washington 1 $ 280,000 $ 280,000 $ 58,000
King, Washington 1 $ 289,000 $ 289,000 $ 70,000
Okanogan, Washington 1 $ 76,000 $ 76,000 $ 30,000
Spokane, Washington 1 $ 83,000 $ 83,000 $ 51,000
Thurston, Washington 1 $ 599,000 $ 599,000 $ 210,000
Berkeley, West Virginia 1 $ 207,000 $ 207,000 $ 82,000
Mineral, West Virginia 1 $ 157,000 $ 157,000 $ 89,000
Portage, Wisconsin 1 $ 240,000 $ 240,000 $ 68,000
Campbell, Wyoming 1 $ 163,000 $ 163,000 $ 66,000
Natrona, Wyoming 1 $ 317,000 $ 317,000 $ 80,000

Mortgage Loan Application Detail Totals for Community First National Bank in 2015

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 1,039 $178,837,000 $172,000 $1,838,000 $88,000 $1,180,000
Refinancing 478 $98,009,000 $205,000 $2,000,000 $79,000 $947,000
Home Improvement 31 $5,935,000 $191,000 $675,000 $112,000 $536,000

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 1,133 $202,682,000 $178,000 $2,000,000 $85,000 $593,000
Hispanic 199 $33,997,000 $170,000 $647,000 $90,000 $1,180,000
Black or African American 80 $17,276,000 $215,000 $824,000 $76,000 $400,000
Not Provided 70 $13,984,000 $199,000 $1,838,000 $85,000 $447,000
Asian 46 $9,773,000 $212,000 $1,000,000 $126,000 $947,000
Not applicable 14 $3,748,000 $267,000 $957,000 $0 $0
American Indian or Alaskan Native 3 $546,000 $182,000 $284,000 $86,000 $102,000
Native Hawaiian or Other Pacific Islander 3 $775,000 $258,000 $367,000 $81,000 $152,000

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) 752 $139,084,000 $184,000 $2,000,000 $113,000 $1,180,000
FHA-insured (Federal Housing Administration) 418 $57,454,000 $137,000 $466,000 $53,000 $289,000
VA-guaranteed (Veterans Administration) 349 $82,671,000 $236,000 $1,000,000 $69,000 $341,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,572,000 $123,000 $264,000 $47,000 $105,000

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 1,040 $192,665,000 $185,000 $1,300,000 $90,000 $1,180,000
Application Approved But Not Accepted 256 $51,272,000 $200,000 $2,000,000 $83,000 $405,000
Application Denied By Financial Institution 238 $36,805,000 $154,000 $900,000 $70,000 $947,000
Application Withdrawn By Applicant 14 $2,039,000 $145,000 $375,000 $49,000 $250,000
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
Credit History 81 $13,062,000 $161,000 $587,000 $66,000 $288,000
Debt-To-Income Ratio 44 $6,239,000 $141,000 $380,000 $44,000 $106,000
Collateral 41 $5,788,000 $141,000 $446,000 $82,000 $212,000
Credit Application Incomplete 27 $5,620,000 $208,000 $900,000 $129,000 $947,000
Insufficient Cash (Downpayment, Closing Cost) 14 $1,607,000 $114,000 $224,000 $48,000 $87,000
Unverifiable Information 12 $1,592,000 $132,000 $244,000 $55,000 $107,000
Employment History 11 $1,832,000 $166,000 $380,000 $48,000 $120,000
Other 8 $1,065,000 $133,000 $295,000 $86,000 $228,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First National Bank's 2015 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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