Community First National Bank Mortgage Lending & HMDA Data, 2024

In 2024, Community First National Bank of Manhattan, KS reported 476 mortgage applications totaling $152.4 million, up 17% from 2023. The average application was for $320,063, and applicants reported an average income of $158,256. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Manhattan, KS (146), Kansas City, MO-KS (105) and St. Louis, MO-IL (11) (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 476
Total Mortgage Loan Application Amount $152,350,000
Average Mortgage Loan Application Amount $320,063
Highest Mortgage Loan Application Amount $1,605,000
Average Applicant Income $158,256
Highest Applicant Income $1,020,000

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records Community First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Riley, Kansas 110 $ 27,400,000 $ 249,090 $ 143,000
Johnson, Kansas 36 $ 13,680,000 $ 380,000 $ 156,000
Pottawatomie, Kansas 32 $ 8,240,000 $ 257,500 $ 141,000
Jackson, Missouri 26 $ 7,600,000 $ 292,307 $ 205,000
Wyandotte, Kansas 11 $ 2,375,000 $ 215,909 $ 118,000
Leavenworth, Kansas 9 $ 2,175,000 $ 241,666 $ 100,000
Clay, Missouri 7 $ 4,145,000 $ 592,142 $ 350,000
Platte, Missouri 7 $ 1,715,000 $ 245,000 $ 199,000
Miami, Kansas 6 $ 2,140,000 $ 356,666 $ 181,000
St. Charles, Missouri 6 $ 1,270,000 $ 211,666 $ 241,000
Parker, Texas 6 $ 2,950,000 $ 491,666 $ 170,000
Juneau, Alaska 5 $ 2,125,000 $ 425,000 $ 113,000
Bay, Florida 5 $ 2,015,000 $ 403,000 $ 145,000
Sedgwick, Kansas 5 $ 1,115,000 $ 223,000 $ 172,000
San Bernardino, California 4 $ 2,260,000 $ 565,000 $ 236,000
Geary, Kansas 4 $ 390,000 $ 97,500 $ 80,000
Fairbanks North Star, Alaska 3 $ 1,135,000 $ 378,333 $ 144,000
Kenai Peninsula, Alaska 3 $ 2,325,000 $ 775,000 $ 281,000
Maricopa, Arizona 3 $ 1,565,000 $ 521,666 $ 157,000
Escambia, Florida 3 $ 1,245,000 $ 415,000 $ 228,000
Shawnee, Kansas 3 $ 795,000 $ 265,000 $ 121,000
Wabaunsee, Kansas 3 $ 685,000 $ 228,333 $ 95,000
Jasper, Missouri 3 $ 695,000 $ 231,666 $ 93,000
Harris, Texas 3 $ 945,000 $ 315,000 $ 132,000
Shelby, Alabama 2 $ 290,000 $ 145,000 $ 272,000
Contra Costa, California 2 $ 1,280,000 $ 640,000 $ 192,000
Boulder, Colorado 2 $ 550,000 $ 275,000 $ 174,000
Southeastern Connecticut Planning Region, Connecticut 2 $ 670,000 $ 335,000 $ 111,000
Broward, Florida 2 $ 910,000 $ 455,000 $ 131,000
DeKalb, Georgia 2 $ 600,000 $ 300,000 $ 667,000
Hawaii, Hawaii 2 $ 1,190,000 $ 595,000 $ 144,000
Douglas, Kansas 2 $ 690,000 $ 345,000 $ 149,000
Scott, Kentucky 2 $ 510,000 $ 255,000 $ 0
Harford, Maryland 2 $ 1,030,000 $ 515,000 $ 171,000
Cass, Missouri 2 $ 670,000 $ 335,000 $ 79,000
Johnson, Missouri 2 $ 820,000 $ 410,000 $ 0
St. Louis, Missouri 2 $ 470,000 $ 235,000 $ 188,000
St. Louis City, Missouri 2 $ 320,000 $ 160,000 $ 245,000
Sarpy, Nebraska 2 $ 430,000 $ 215,000 $ 171,000
Catron, New Mexico 2 $ 250,000 $ 125,000 $ 75,000
Erie, New York 2 $ 530,000 $ 265,000 $ 87,000
Nassau, New York 2 $ 1,250,000 $ 625,000 $ 327,000
Moore, North Carolina 2 $ 860,000 $ 430,000 $ 94,000
Washington, Pennsylvania 2 $ 140,000 $ 70,000 $ 241,000
Collin, Texas 2 $ 560,000 $ 280,000 $ 80,000
Grayson, Texas 2 $ 610,000 $ 305,000 $ 73,000
Johnson, Texas 2 $ 530,000 $ 265,000 $ 61,000
Fairfax, Virginia 2 $ 1,160,000 $ 580,000 $ 244,000
Douglas, Washington 2 $ 920,000 $ 460,000 $ 0
Monongalia, West Virginia 2 $ 440,000 $ 220,000 $ 73,000
Lee, Alabama 1 $ 135,000 $ 135,000 $ 125,000
Mobile, Alabama 1 $ 345,000 $ 345,000 $ 168,000
St. Clair, Alabama 1 $ 165,000 $ 165,000 $ 250,000
Coconino, Arizona 1 $ 355,000 $ 355,000 $ 101,000
Alameda, California 1 $ 1,005,000 $ 1,005,000 $ 301,000
Los Angeles, California 1 $ 755,000 $ 755,000 $ 149,000
Orange, California 1 $ 815,000 $ 815,000 $ 161,000
Riverside, California 1 $ 215,000 $ 215,000 $ 88,000
San Diego, California 1 $ 765,000 $ 765,000 $ 242,000
Santa Clara, California 1 $ 515,000 $ 515,000 $ 141,000
Kent, Delaware 1 $ 385,000 $ 385,000 $ 105,000
Sussex, Delaware 1 $ 475,000 $ 475,000 $ 159,000
Charlotte, Florida 1 $ 755,000 $ 755,000 $ 281,000
Citrus, Florida 1 $ 135,000 $ 135,000 $ 67,000
Duval, Florida 1 $ 275,000 $ 275,000 $ 0
Flagler, Florida 1 $ 125,000 $ 125,000 $ 37,000
Holmes, Florida 1 $ 275,000 $ 275,000 $ 95,000
Jackson, Florida 1 $ 215,000 $ 215,000 $ 0
Manatee, Florida 1 $ 765,000 $ 765,000 $ 316,000
Pinellas, Florida 1 $ 545,000 $ 545,000 $ 104,000
Putnam, Florida 1 $ 195,000 $ 195,000 $ 46,000
Walton, Florida 1 $ 525,000 $ 525,000 $ 224,000
Washington, Florida 1 $ 275,000 $ 275,000 $ 134,000
Columbia, Georgia 1 $ 315,000 $ 315,000 $ 128,000
Richmond, Georgia 1 $ 155,000 $ 155,000 $ 45,000
Rockdale, Georgia 1 $ 365,000 $ 365,000 $ 110,000
Maui, Hawaii 1 $ 255,000 $ 255,000 $ 0
Fremont, Idaho 1 $ 245,000 $ 245,000 $ 112,000
Kootenai, Idaho 1 $ 445,000 $ 445,000 $ 86,000
Cook, Illinois 1 $ 765,000 $ 765,000 $ 161,000
Lake, Illinois 1 $ 395,000 $ 395,000 $ 231,000
Boone, Indiana 1 $ 365,000 $ 365,000 $ 97,000
Floyd, Indiana 1 $ 345,000 $ 345,000 $ 127,000
Hendricks, Indiana 1 $ 125,000 $ 125,000 $ 46,000
Lake, Indiana 1 $ 155,000 $ 155,000 $ 104,000
Washington, Indiana 1 $ 405,000 $ 405,000 $ 97,000
Clinton, Iowa 1 $ 195,000 $ 195,000 $ 144,000
Story, Iowa 1 $ 195,000 $ 195,000 $ 98,000
Butler, Kansas 1 $ 555,000 $ 555,000 $ 389,000
Clay, Kansas 1 $ 525,000 $ 525,000 $ 239,000
Cowley, Kansas 1 $ 395,000 $ 395,000 $ 163,000
Decatur, Kansas 1 $ 75,000 $ 75,000 $ 84,000
Harper, Kansas 1 $ 65,000 $ 65,000 $ 63,000
Harvey, Kansas 1 $ 215,000 $ 215,000 $ 59,000
Jefferson, Kansas 1 $ 125,000 $ 125,000 $ 46,000
Morris, Kansas 1 $ 755,000 $ 755,000 $ 125,000
Nemaha, Kansas 1 $ 265,000 $ 265,000 $ 133,000
Sheridan, Kansas 1 $ 185,000 $ 185,000 $ 68,000
Barren, Kentucky 1 $ 175,000 $ 175,000 $ 85,000
Fayette, Kentucky 1 $ 525,000 $ 525,000 $ 113,000
Jefferson, Kentucky 1 $ 1,605,000 $ 1,605,000 $ 467,000
Madison, Kentucky 1 $ 405,000 $ 405,000 $ 113,000
St. Tammany, Louisiana 1 $ 165,000 $ 165,000 $ 59,000
Baltimore, Maryland 1 $ 245,000 $ 245,000 $ 64,000
St. Mary's, Maryland 1 $ 365,000 $ 365,000 $ 74,000
Leelanau, Michigan 1 $ 455,000 $ 455,000 $ 96,000
Tuscola, Michigan 1 $ 305,000 $ 305,000 $ 86,000
Wayne, Michigan 1 $ 275,000 $ 275,000 $ 124,000
Hennepin, Minnesota 1 $ 315,000 $ 315,000 $ 145,000
Isanti, Minnesota 1 $ 425,000 $ 425,000 $ 130,000
Meeker, Minnesota 1 $ 435,000 $ 435,000 $ 0
Otter Tail, Minnesota 1 $ 415,000 $ 415,000 $ 154,000
Harrison, Mississippi 1 $ 375,000 $ 375,000 $ 330,000
Lafayette, Mississippi 1 $ 305,000 $ 305,000 $ 223,000
Rankin, Mississippi 1 $ 315,000 $ 315,000 $ 95,000
Jefferson, Missouri 1 $ 435,000 $ 435,000 $ 87,000
Ray, Missouri 1 $ 195,000 $ 195,000 $ 60,000
Flathead, Montana 1 $ 295,000 $ 295,000 $ 92,000
Douglas, Nebraska 1 $ 245,000 $ 245,000 $ 43,000
Lincoln, Nebraska 1 $ 165,000 $ 165,000 $ 87,000
Clark, Nevada 1 $ 345,000 $ 345,000 $ 89,000
Monmouth, New Jersey 1 $ 415,000 $ 415,000 $ 171,000
Ocean, New Jersey 1 $ 285,000 $ 285,000 $ 0
Cayuga, New York 1 $ 195,000 $ 195,000 $ 80,000
Delaware, New York 1 $ 125,000 $ 125,000 $ 88,000
Otsego, New York 1 $ 155,000 $ 155,000 $ 55,000
Saratoga, New York 1 $ 175,000 $ 175,000 $ 186,000
Suffolk, New York 1 $ 685,000 $ 685,000 $ 256,000
Cabarrus, North Carolina 1 $ 375,000 $ 375,000 $ 114,000
Durham, North Carolina 1 $ 285,000 $ 285,000 $ 79,000
Onslow, North Carolina 1 $ 295,000 $ 295,000 $ 71,000
Wake, North Carolina 1 $ 275,000 $ 275,000 $ 72,000
Clermont, Ohio 1 $ 265,000 $ 265,000 $ 103,000
Crawford, Ohio 1 $ 85,000 $ 85,000 $ 44,000
Scioto, Ohio 1 $ 195,000 $ 195,000 $ 200,000
Warren, Ohio 1 $ 305,000 $ 305,000 $ 233,000
Delaware, Oklahoma 1 $ 275,000 $ 275,000 $ 69,000
Logan, Oklahoma 1 $ 265,000 $ 265,000 $ 95,000
Tulsa, Oklahoma 1 $ 215,000 $ 215,000 $ 228,000
Marion, Oregon 1 $ 265,000 $ 265,000 $ 109,000
Polk, Oregon 1 $ 505,000 $ 505,000 $ 108,000
Anderson, South Carolina 1 $ 495,000 $ 495,000 $ 162,000
Berkeley, South Carolina 1 $ 315,000 $ 315,000 $ 0
Jasper, South Carolina 1 $ 225,000 $ 225,000 $ 90,000
Blount, Tennessee 1 $ 415,000 $ 415,000 $ 0
Cumberland, Tennessee 1 $ 255,000 $ 255,000 $ 124,000
Franklin, Tennessee 1 $ 235,000 $ 235,000 $ 728,000
Hickman, Tennessee 1 $ 115,000 $ 115,000 $ 23,000
Rutherford, Tennessee 1 $ 615,000 $ 615,000 $ 188,000
Warren, Tennessee 1 $ 365,000 $ 365,000 $ 201,000
Andrews, Texas 1 $ 415,000 $ 415,000 $ 135,000
Brazoria, Texas 1 $ 355,000 $ 355,000 $ 190,000
Brown, Texas 1 $ 235,000 $ 235,000 $ 271,000
Calhoun, Texas 1 $ 255,000 $ 255,000 $ 55,000
Denton, Texas 1 $ 415,000 $ 415,000 $ 184,000
Hamilton, Texas 1 $ 175,000 $ 175,000 $ 51,000
Kerr, Texas 1 $ 495,000 $ 495,000 $ 193,000
Lamar, Texas 1 $ 245,000 $ 245,000 $ 71,000
Tarrant, Texas 1 $ 435,000 $ 435,000 $ 226,000
Victoria, Texas 1 $ 365,000 $ 365,000 $ 192,000
Williamson, Texas 1 $ 425,000 $ 425,000 $ 312,000
Salt Lake, Utah 1 $ 595,000 $ 595,000 $ 154,000
Chesapeake, Virginia 1 $ 455,000 $ 455,000 $ 179,000
Fauquier, Virginia 1 $ 655,000 $ 655,000 $ 297,000
Greensville, Virginia 1 $ 285,000 $ 285,000 $ 0
Hanover, Virginia 1 $ 415,000 $ 415,000 $ 0
Prince William, Virginia 1 $ 695,000 $ 695,000 $ 285,000
York, Virginia 1 $ 445,000 $ 445,000 $ 0
Spokane, Washington 1 $ 305,000 $ 305,000 $ 0
Thurston, Washington 1 $ 435,000 $ 435,000 $ 119,000
Sheridan, Wyoming 1 $ 225,000 $ 225,000 $ 135,000

Mortgage Loan Application Detail Totals for Community First National Bank in 2024

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 343 $113,585,000 $331,000 $1,105,000 $159,000 $1,020,000
Refinancing 68 $19,110,000 $281,000 $1,305,000 $159,000 $424,000
Cash-out Refinancing 44 $15,080,000 $342,000 $1,605,000 $136,000 $467,000
Other Purpose 14 $3,420,000 $244,000 $655,000 $119,000 $312,000
Home Improvement 7 $1,155,000 $165,000 $305,000 $333,000 $667,000
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 343 $107,625,000 $313,000 $1,605,000 $152,000 $1,020,000
Hispanic 36 $10,860,000 $301,000 $665,000 $119,000 $248,000
Not Provided 35 $13,705,000 $391,000 $815,000 $251,000 $667,000
Asian 21 $9,085,000 $432,000 $1,005,000 $175,000 $309,000
Black or African American 21 $7,165,000 $341,000 $665,000 $148,000 $330,000
Not applicable 18 $3,660,000 $203,000 $765,000 $0 $0
American Indian or Alaskan Native 2 $250,000 $125,000 $215,000 $157,000 $228,000
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) 291 $84,995,000 $292,000 $1,305,000 $174,000 $1,020,000
VA-guaranteed (Veterans Administration) 156 $58,250,000 $373,000 $1,605,000 $134,000 $467,000
FHA-insured (Federal Housing Administration) 29 $9,105,000 $313,000 $735,000 $118,000 $283,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 381 $119,535,000 $313,000 $1,605,000 $158,000 $728,000
Application Withdrawn By Applicant 66 $25,000,000 $378,000 $1,105,000 $169,000 $1,020,000
Application Denied By Financial Institution 27 $6,855,000 $253,000 $595,000 $128,000 $304,000
Application Approved But Not Accepted 2 $960,000 $480,000 $825,000 $183,000 $224,000
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 449 $145,495,000 $324,000 $1,605,000 $160,000 $1,020,000
Credit History 11 $2,685,000 $244,000 $445,000 $153,000 $304,000
Debt-To-Income Ratio 6 $2,030,000 $338,000 $595,000 $101,000 $162,000
Collateral 6 $1,440,000 $240,000 $475,000 $129,000 $250,000
Employment History 2 $380,000 $190,000 $225,000 $151,000 $235,000
Insufficient Cash (Downpayment, Closing Cost) 2 $320,000 $160,000 $185,000 $53,000 $67,000
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
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First National Bank's 2024 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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