Community First National Bank NMLS #449196
At a glance
- HeadquartersManhattan, KS
- Size433 home loans closed in 2025
- Loan typesConventional, VA and FHA
What it closes
Share of its 2025 home loans: 62% Conventional, 32% VA and 6% FHA.
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Who is Community First National Bank?
Community First National Bank (NMLS #449196) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerCommunity First National Bank
- NMLS #449196
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Bank facts
Community First National Bank held $374,680,000 in total assets as of June 30, 2026, per the FDIC (certificate 35585). The FDIC and NMLS records both place it in Manhattan, Kansas. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About Community First National Bank
Overview
Community First National Bank is a national bank that makes residential mortgage loans. The Office of the Comptroller of the Currency is its primary regulator.
Mortgage options
In 2025 it made conventional, FHA and VA loans. Its loans that year were for home purchases, refinances and cash-out refinances.
Company details and licensing
Community First National Bank is the legal entity name. Its headquarters are at 215 S. Seth Child Road, Manhattan, Kansas 66502, and its NMLS company ID is 449196.
Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #449196 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asCommunity First National Bank
- 2025 home loan decisionsOf 453 applications decided by Community First National Bank in 2025, 433 were originated, 2 were approved but not accepted by the borrower, and 18 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 96%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 76 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spreadNot computed — no originations reported a spread.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported product mix, 2025
- Loan types267 Conventional, 27 FHA, 139 VA — of 433 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Community First National Bank — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Community First National Bank's NMLS number?
Community First National Bank's NMLS number is 449196. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Community First National Bank's NMLS ID?
Yes. We checked Community First National Bank's company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since July 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Community First National Bank?
This page has Community First National Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.