Applications / Mortgage Analytics / Lenders / Kansas / Community First National Bank
Manhattan, KS · National bank · OCC · $362 million assets · 433 loans in 2025
Community First National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
433
loans originated, 2025
529
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community First National Bank, of Manhattan, KS, lends heavily to veterans: 32.1% of its loans were guaranteed by the Department of Veterans Affairs (VA), the highest share among similar banks.
Loans insured by the Federal Housing Administration (FHA) made up another 6.2% of its 433 loans. Similar lenders, national banks making between half and twice as many loans, typically made 99.3% conventional loans. Its VA share has held near a third for years: 32.0% in 2024 and 34.3% five years before.
It ranked 2 of 209 lenders in Manhattan, KS, with 6.7% of the market, up from 5.9%. Only Mortgage Research Center was bigger. In Fairbanks-College, AK its share rose to 0.5% from 0.3%.
Its loans rose 14% from 381, against 5% at similar lenders. It lent in 40 states and 79 metros. Purchases were 76.4% of its loans, and its typical loan, $305,000, was higher than at nearly nine in ten peers.
Low- and moderate-income (LMI) borrowers took 14.6% of its loans, against 27.1% at peers, lower than at about nine in ten of them. Its larger loans and purchase lending spread across many states are possible reasons. Its purchase denial rate, 1.9% against 6.1%, was lower than at about nine in ten peers with a rate.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community First National Bank took 529 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.4% · Refinance 22.2% · Home improvement 0.9% · Other 0.5%
Conventional 61.7% · VA 32.1% · FHA 6.2% · of 433 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 224 | 51.7% |
| Missouri | 42 | 9.7% |
| Texas | 27 | 6.2% |
| Alaska | 15 | 3.5% |
| Tennessee | 13 | 3.0% |
| Florida | 11 | 2.5% |
| Colorado | 8 | 1.8% |
| Mississippi | 6 | 1.4% |
| North Carolina | 6 | 1.4% |
| Virginia | 6 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manhattan | 157 |
| Kansas City | 75 |
| Fort Worth-Arlington-Grapevine | 14 |
| Topeka | 11 |
| Fairbanks-College | 6 |
| St. Louis | 6 |
| Beckley | 4 |
| Denver-Aurora-Centennial | 4 |
| Louisville/Jefferson County | 4 |
| Memphis | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KR4ZW8KJC82O47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2907019 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124080 | 2009–2017 |
Established 1 February 2001. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Community First National Bank's data.
Community First National Bank's data
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Community First National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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