PlainLender

Community First Bank

Kennewick, WA

Community First Bank processed 138 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 98 loans with a 10.9% denial rate. Home Purchase was the primary loan purpose. Based in Kennewick, WA. The approval rate of 71.0% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Community First Bank's 71.0% origination rate tells you how often an application turned into funded money; the 10.9% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (116 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

138
Applications
98
Originated
10.9%
Denial Rate
$436,667
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 116 83 13 $458,879
FHA 19 15 0 $336,579
VA 3 0 2 $211,667

Top loan types - Community First Bank

Top loan types - Community First Bank Horizontal bar chart of the top 3 items by value (applications). Top loan types - Community First Bank Top 3 1. Conventional 116 2. FHA 19 3. VA 3 Top 5 loan types by application volume at Community First Bank (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Community First Bank (LEI: 5493005F145IP6JL7314) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 95 80 $504,684
Cash-out Refinancing 19 11 $381,316
Refinancing 10 3 $313,000
Other 8 2 $132,500
Home Improvement 6 2 $146,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 109 73.4% 7.3%
Joint * 4 75.0% 0.0%
American Indian or Alaska Native * 2 0.0% 100.0%
Asian * 2 0.0% 50.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 91 72.5% 8.8%
Hispanic or Latino * 21 71.4% 9.5%
Joint * 2 50.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in WA

Other HMDA-reporting lenders in WA with similar activity. Compare any two side-by-side.

Coastal Community Bank

Everett, WA

64,233 apps 15,099 originated 1.6% denied

Boeing Employees' Credit Union

Tukwila, WA

21,382 apps 13,093 originated 24.6% denied

Evergreen Moneysource Mortgage Company

BELLEVUE, WA

6,824 apps 4,791 originated 3.0% denied

Banner Bank

Walla Walla, WA

6,099 apps 3,140 originated 33.5% denied

WSECU

OLYMPIA, WA

4,133 apps 1,960 originated 42.2% denied
Compare Community First Bank vs Coastal Community Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Community First Bank process?
Community First Bank processed 138 mortgage applications in the 2024 HMDA reporting year. Of these, 98 were originated (approved and funded), 20 were withdrawn by the applicant, and 15 were denied.
What is Community First Bank's mortgage approval rate?
Community First Bank has an approval (origination) rate of 71.0%, meaning 71.0% of all applications resulted in a funded mortgage. The denial rate is 10.9%.
What is the average loan amount at Community First Bank?
The average mortgage loan amount at Community First Bank is $436,667.
What types of mortgage loans does Community First Bank offer?
Community First Bank processes Conventional, FHA, VA loans. The most common type is Conventional with 116 applications and an average loan amount of $458,879.
What loan purposes does Community First Bank serve?
Community First Bank serves the following loan purposes: Home Purchase (95 applications), Cash-out Refinancing (19 applications), Refinancing (10 applications), Other (8 applications), Home Improvement (6 applications). Home Purchase is the most common purpose.
Where is Community First Bank located?
Community First Bank is headquartered in Kennewick, WA. The lender is identified by LEI 5493005F145IP6JL7314 in HMDA data.
How does Community First Bank compare in lending across racial demographics?
Community First Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 73.4% and denial rate of 7.3%; Joint applicants have an approval rate of 75.0% and denial rate of 0.0%; American Indian or Alaska Native applicants have an approval rate of 0.0% and denial rate of 100.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.