Community First National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
78th4.0% deniedProcesswithdrawn + incomplete share, weight 15%
38th14.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 406 | 306 | 5.2% | 6.4% | 6.75% | $90M |
| 2024 | 476 | 381 | 5.7% | 6.6% | — | $120M |
| 2025 | 529 | 433 | 3.4% | 4.0% | — | $151M |
What Community First National Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 104 investment properties.
Why Community First National Bank denies applications
Primary reason reported for each of the 18 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community First National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 123 | 95 | 5.9% |
| $100k – $150k | 132 | 109 | 3.5% |
| $150k – $250k | 139 | 115 | 3.3% |
| Over $250k | 70 | 54 | 6.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 127 | 102 | 2.9% |
| 35–44 | 135 | 114 | 5.0% |
| 45–54 | 117 | 98 | 3.9% |
| 55–64 | 60 | 49 | 2.0% |
| 65–74 | 35 | 20 | 16.0% |
| Over 74 | 20 | 17 | 0.0% |
Where Community First National Bank lends
42 states and 172 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kansas | 254 | 224 | 4.3% | — | #86 |
| Missouri | 59 | 42 | 6.8% | — | #329 |
| Texas | 32 | 27 | 3.1% | — | #788 |
| Alaska | 17 | 15 | 0.0% | — | #87 |
| Florida | 16 | 11 | 6.3% | — | #803 |
| Tennessee | 16 | 13 | 0.0% | — | #574 |
| Alabama | 9 | 4 | 0.0% | — | #491 |
| Colorado | 9 | 8 | 0.0% | — | #516 |
| Georgia | 8 | 5 | 0.0% | — | #709 |
| Mississippi | 7 | 6 | 0.0% | — | #316 |
| North Carolina | 7 | 6 | 0.0% | — | #692 |
| New York | 7 | 4 | 0.0% | — | #492 |
| Virginia | 7 | 6 | 0.0% | — | #606 |
| West Virginia | 7 | 5 | 14.3% | — | #290 |
| Arizona | 6 | 3 | 0.0% | — | #590 |
| California | 6 | 3 | 0.0% | — | #791 |
| Nevada | 6 | 5 | 0.0% | — | #360 |
| Oklahoma | 5 | 4 | 0.0% | — | #496 |
Frequently asked questions
Community First National Bank denied 4.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 78th percentile of small mortgage lenders.
The most common reason Community First National Bank gave in 2025 was "credit history", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 74% of its applications were for home purchases, 24% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 62% conventional, 6% FHA, 32% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.