Community First National Bank Mortgage Lending & HMDA Data, 2023
In 2023, Community First National Bank of Manhattan, KS reported 407 mortgage applications totaling $121.5 million, down 35% from 2022. The average application was for $298,538, and applicants reported an average income of $141,985. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Manhattan, KS (124), Kansas City, MO-KS (79) and Dallas-Plano-Irving, TX (9) (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 | 407 |
| Total Mortgage Loan Application Amount | $121,505,000 |
| Average Mortgage Loan Application Amount | $298,538 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $141,985 |
| Highest Applicant Income | $921,000 |
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records Community First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Manhattan, KS | 124 | $ 33,440,000 | $ 269,677 | $ 138,000 |
| Kansas City, MO-KS | 79 | $ 22,095,000 | $ 279,683 | $ 164,594 |
| Outside any metro area | 39 | $ 9,955,000 | $ 255,256 | $ 105,794 |
| Dallas-Plano-Irving, TX | 9 | $ 4,135,000 | $ 459,444 | $ 154,000 |
| Topeka, KS | 8 | $ 1,700,000 | $ 212,500 | $ 137,000 |
| Wichita, KS | 8 | $ 1,710,000 | $ 213,750 | $ 130,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,685,000 | $ 337,000 | $ 117,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 2,285,000 | $ 457,000 | $ 139,000 |
| Birmingham-Hoover, AL | 4 | $ 680,000 | $ 170,000 | $ 217,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 2,170,000 | $ 542,500 | $ 143,000 |
| Tulsa, OK | 4 | $ 930,000 | $ 232,500 | $ 177,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,550,000 | $ 387,500 | $ 145,000 |
| Boulder, CO | 3 | $ 565,000 | $ 188,333 | $ 132,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 965,000 | $ 321,666 | $ 125,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,175,000 | $ 391,666 | $ 187,000 |
| Fairbanks, AK | 3 | $ 1,225,000 | $ 408,333 | $ 96,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,145,000 | $ 381,666 | $ 130,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,005,000 | $ 335,000 | $ 108,000 |
| Joplin, MO | 3 | $ 1,095,000 | $ 365,000 | $ 91,000 |
| Lawrence, KS | 3 | $ 695,000 | $ 231,666 | $ 101,000 |
| San Diego-Carlsbad, CA | 3 | $ 1,075,000 | $ 358,333 | $ 258,000 |
| Amarillo, TX | 2 | $ 600,000 | $ 300,000 | $ 177,000 |
| Austin-Round Rock, TX | 2 | $ 990,000 | $ 495,000 | $ 298,000 |
| Beckley, WV | 2 | $ 360,000 | $ 180,000 | $ 61,000 |
| Clarksville, TN-KY | 2 | $ 580,000 | $ 290,000 | $ 233,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 480,000 | $ 240,000 | $ 85,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 500,000 | $ 250,000 | $ 88,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 310,000 | $ 155,000 | $ 64,000 |
| Lakeland-Winter Haven, FL | 2 | $ 650,000 | $ 325,000 | $ 150,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 1,620,000 | $ 810,000 | $ 257,500 |
| Nassau County-Suffolk County, NY | 2 | $ 1,220,000 | $ 610,000 | $ 262,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 580,000 | $ 290,000 | $ 141,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,630,000 | $ 815,000 | $ 195,000 |
| Oklahoma City, OK | 2 | $ 430,000 | $ 215,000 | $ 204,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 740,000 | $ 370,000 | $ 131,000 |
| Pine Bluff, AR | 2 | $ 330,000 | $ 165,000 | $ 167,000 |
| Pittsburgh, PA | 2 | $ 440,000 | $ 220,000 | $ 81,000 |
| St. Louis, MO-IL | 2 | $ 520,000 | $ 260,000 | $ 223,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 385,000 | $ 385,000 | $ 104,000 |
| Albuquerque, NM | 1 | $ 505,000 | $ 505,000 | $ 183,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 355,000 | $ 355,000 | $ 137,000 |
| Bangor, ME | 1 | $ 395,000 | $ 395,000 | $ 179,000 |
| Bowling Green, KY | 1 | $ 395,000 | $ 395,000 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 495,000 | $ 495,000 | $ 156,000 |
| Charleston, WV | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| Chattanooga, TN-GA | 1 | $ 255,000 | $ 255,000 | $ 258,000 |
| Chicago-Naperville, IL | 1 | $ 485,000 | $ 485,000 | $ 170,000 |
| Colorado Springs, CO | 1 | $ 455,000 | $ 455,000 | $ 134,000 |
| Columbia, SC | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Des Moines-West Des Moines, IA | 1 | $ 415,000 | $ 415,000 | $ 255,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Dothan, AL | 1 | $ 375,000 | $ 375,000 | $ 167,000 |
| El Paso, TX | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 365,000 | $ 365,000 | $ 176,000 |
| Gary, IN | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 475,000 | $ 475,000 | $ 133,000 |
| Hinesville, GA | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Hot Springs, AR | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Jacksonville, FL | 1 | $ 85,000 | $ 85,000 | $ 110,000 |
| Johnson City, TN | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Knoxville, TN | 1 | $ 415,000 | $ 415,000 | $ 107,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Lansing-East Lansing, MI | 1 | $ 565,000 | $ 565,000 | $ 156,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 425,000 | $ 425,000 | $ 205,000 |
| Lawton, OK | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 995,000 | $ 995,000 | $ 211,000 |
| Madison, WI | 1 | $ 545,000 | $ 545,000 | $ 127,000 |
| Montgomery, AL | 1 | $ 265,000 | $ 265,000 | $ 118,000 |
| Morristown, TN | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 305,000 | $ 305,000 | $ 349,000 |
| Norwich-New London, CT | 1 | $ 425,000 | $ 425,000 | $ 114,000 |
| Olympia-Tumwater, WA | 1 | $ 435,000 | $ 435,000 | $ 110,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 425,000 | $ 425,000 | $ 160,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Portland-South Portland, ME | 1 | $ 255,000 | $ 255,000 | $ 94,000 |
| Raleigh, NC | 1 | $ 255,000 | $ 255,000 | $ 122,000 |
| Reading, PA | 1 | $ 65,000 | $ 65,000 | $ 22,000 |
| Richmond, VA | 1 | $ 485,000 | $ 485,000 | $ 111,000 |
| Rochester, NY | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 655,000 | $ 655,000 | $ 139,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 335,000 | $ 335,000 | $ 118,000 |
| Sebastian-Vero Beach, FL | 1 | $ 355,000 | $ 355,000 | $ 317,000 |
| Spokane-Spokane Valley, WA | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| St. Joseph, MO-KS | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Urban Honolulu, HI | 1 | $ 685,000 | $ 685,000 | $ 169,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 455,000 | $ 455,000 | $ 106,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 665,000 | $ 665,000 | $ 261,000 |
| Watertown-Fort Drum, NY | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
| Wenatchee, WA | 1 | $ 455,000 | $ 455,000 | $ 107,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 195,000 | $ 195,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Community First National Bank in 2023
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 | 325 | $102,125,000 | $314,000 | $1,205,000 | $144,000 | $921,000 |
| Refinancing | 29 | $7,195,000 | $248,000 | $1,305,000 | $127,000 | $254,000 |
| Cash-out Refinancing | 26 | $7,850,000 | $301,000 | $1,315,000 | $136,000 | $362,000 |
| Home Improvement | 13 | $1,195,000 | $91,000 | $225,000 | $125,000 | $292,000 |
| Other Purpose | 13 | $2,865,000 | $220,000 | $715,000 | $154,000 | $297,000 |
| Not Applicable | 1 | $275,000 | $275,000 | $275,000 | $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 | 276 | $78,780,000 | $285,000 | $1,315,000 | $134,000 | $511,000 |
| Not Provided | 35 | $11,145,000 | $318,000 | $835,000 | $202,000 | $921,000 |
| Hispanic | 26 | $7,100,000 | $273,000 | $665,000 | $135,000 | $261,000 |
| Black or African American | 23 | $7,665,000 | $333,000 | $725,000 | $126,000 | $256,000 |
| Not applicable | 20 | $7,460,000 | $373,000 | $1,305,000 | $0 | $0 |
| Asian | 19 | $6,865,000 | $361,000 | $685,000 | $193,000 | $861,000 |
| American Indian or Alaskan Native | 4 | $1,370,000 | $342,000 | $605,000 | $89,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $54,000 | $54,000 |
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) | 269 | $75,535,000 | $280,000 | $1,305,000 | $157,000 | $921,000 |
| VA-guaranteed (Veterans Administration) | 114 | $37,490,000 | $328,000 | $1,315,000 | $117,000 | $365,000 |
| FHA-insured (Federal Housing Administration) | 23 | $8,335,000 | $362,000 | $995,000 | $112,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $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 | 306 | $90,130,000 | $294,000 | $1,315,000 | $139,000 | $861,000 |
| Application Withdrawn By Applicant | 78 | $24,440,000 | $313,000 | $1,305,000 | $159,000 | $921,000 |
| Application Denied By Financial Institution | 21 | $6,295,000 | $299,000 | $835,000 | $123,000 | $279,000 |
| Application Approved But Not Accepted | 1 | $365,000 | $365,000 | $365,000 | $176,000 | $176,000 |
| Loan Purchased By The Institution | 1 | $275,000 | $275,000 | $275,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 386 | $115,210,000 | $298,000 | $1,315,000 | $143,000 | $921,000 |
| Collateral | 11 | $3,225,000 | $293,000 | $835,000 | $120,000 | $268,000 |
| Debt-To-Income Ratio | 6 | $1,400,000 | $233,000 | $435,000 | $91,000 | $162,000 |
| Other | 2 | $910,000 | $455,000 | $715,000 | $241,000 | $279,000 |
| Employment History | 1 | $345,000 | $345,000 | $345,000 | $129,000 | $129,000 |
| Credit History | 1 | $415,000 | $415,000 | $415,000 | $116,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community First National Bank's 2023 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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