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records Community First National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 146 | $ 36,030,000 | $ 246,780 | $ 141,000 |
| Kansas City, MO-KS | 105 | $ 34,695,000 | $ 330,428 | $ 174,123 |
| Outside any metro area | 52 | $ 17,290,000 | $ 332,500 | $ 141,000 |
| St. Louis, MO-IL | 11 | $ 2,495,000 | $ 226,818 | $ 218,000 |
| Fort Worth-Arlington, TX | 9 | $ 3,915,000 | $ 435,000 | $ 163,000 |
| Topeka, KS | 7 | $ 1,605,000 | $ 229,285 | $ 99,000 |
| Wichita, KS | 7 | $ 1,885,000 | $ 269,285 | $ 189,000 |
| Panama City, FL | 6 | $ 2,290,000 | $ 381,666 | $ 143,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,475,000 | $ 495,000 | $ 206,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 2,510,000 | $ 627,500 | $ 267,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 1,300,000 | $ 325,000 | $ 147,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 965,000 | $ 321,666 | $ 481,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 1,275,000 | $ 425,000 | $ 135,000 |
| Birmingham-Hoover, AL | 3 | $ 455,000 | $ 151,666 | $ 264,000 |
| Dallas-Plano-Irving, TX | 3 | $ 975,000 | $ 325,000 | $ 114,000 |
| Fairbanks, AK | 3 | $ 1,135,000 | $ 378,333 | $ 144,000 |
| Joplin, MO | 3 | $ 695,000 | $ 231,666 | $ 93,000 |
| Lexington-Fayette, KY | 3 | $ 1,035,000 | $ 345,000 | $ 113,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 2,355,000 | $ 785,000 | $ 230,333 |
| Nassau County-Suffolk County, NY | 3 | $ 1,935,000 | $ 645,000 | $ 303,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 2,285,000 | $ 761,666 | $ 228,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 675,000 | $ 225,000 | $ 128,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,245,000 | $ 415,000 | $ 228,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,565,000 | $ 521,666 | $ 157,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 470,000 | $ 235,000 | $ 86,000 |
| Boulder, CO | 2 | $ 550,000 | $ 275,000 | $ 174,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 530,000 | $ 265,000 | $ 87,000 |
| Cincinnati, OH-KY-IN | 2 | $ 570,000 | $ 285,000 | $ 168,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 910,000 | $ 455,000 | $ 131,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 490,000 | $ 245,000 | $ 71,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 700,000 | $ 350,000 | $ 171,000 |
| Lawrence, KS | 2 | $ 690,000 | $ 345,000 | $ 149,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 740,000 | $ 370,000 | $ 137,000 |
| Morgantown, WV | 2 | $ 440,000 | $ 220,000 | $ 73,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 730,000 | $ 365,000 | $ 105,000 |
| Norwich-New London, CT | 2 | $ 670,000 | $ 335,000 | $ 111,000 |
| Pinehurst-Southern Pines, NC | 2 | $ 860,000 | $ 430,000 | $ 94,000 |
| Pittsburgh, PA | 2 | $ 140,000 | $ 70,000 | $ 241,000 |
| Salem, OR | 2 | $ 770,000 | $ 385,000 | $ 108,000 |
| Sherman-Denison, TX | 2 | $ 610,000 | $ 305,000 | $ 73,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 900,000 | $ 450,000 | $ 179,000 |
| Wenatchee, WA | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 175,000 | $ 175,000 | $ 186,000 |
| Ames, IA | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 815,000 | $ 815,000 | $ 161,000 |
| Auburn-Opelika, AL | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| Austin-Round Rock, TX | 1 | $ 425,000 | $ 425,000 | $ 312,000 |
| Charleston-North Charleston, SC | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 375,000 | $ 375,000 | $ 114,000 |
| Chicago-Naperville, IL | 1 | $ 765,000 | $ 765,000 | $ 161,000 |
| Coeur D'Alene, ID | 1 | $ 445,000 | $ 445,000 | $ 86,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 525,000 | $ 525,000 | $ 224,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 275,000 | $ 275,000 | $ 124,000 |
| Dover, DE | 1 | $ 385,000 | $ 385,000 | $ 105,000 |
| Durham-Chapel Hill, NC | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Flagstaff, AZ | 1 | $ 355,000 | $ 355,000 | $ 101,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 495,000 | $ 495,000 | $ 162,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 375,000 | $ 375,000 | $ 330,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Homosassa Springs, FL | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Jackson, MS | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Jacksonville, FL | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Jacksonville, NC | 1 | $ 295,000 | $ 295,000 | $ 71,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Knoxville, TN | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 395,000 | $ 395,000 | $ 231,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 155,000 | $ 155,000 | $ 104,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 345,000 | $ 345,000 | $ 89,000 |
| Lexington Park, MD | 1 | $ 365,000 | $ 365,000 | $ 74,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 755,000 | $ 755,000 | $ 149,000 |
| Mobile, AL | 1 | $ 345,000 | $ 345,000 | $ 168,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 765,000 | $ 765,000 | $ 316,000 |
| Oklahoma City, OK | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Olympia-Tumwater, WA | 1 | $ 435,000 | $ 435,000 | $ 119,000 |
| Punta Gorda, FL | 1 | $ 755,000 | $ 755,000 | $ 281,000 |
| Raleigh, NC | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Richmond, VA | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 595,000 | $ 595,000 | $ 154,000 |
| San Diego-Carlsbad, CA | 1 | $ 765,000 | $ 765,000 | $ 242,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 515,000 | $ 515,000 | $ 141,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Spokane-Spokane Valley, WA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 545,000 | $ 545,000 | $ 104,000 |
| Traverse City, MI | 1 | $ 455,000 | $ 455,000 | $ 96,000 |
| Tulsa, OK | 1 | $ 215,000 | $ 215,000 | $ 228,000 |
| Victoria, TX | 1 | $ 365,000 | $ 365,000 | $ 192,000 |
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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