# Community First Bank of Indiana

> **Canonical URL:** https://saferate.com/lenders/community-first-bank-of-india


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Community First Bank of Indiana is a bank, headquartered in Kokomo, IN, serving borrowers across 5 states, with 59 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300Z6RK4QCIMZJD44
- **Headquarters:** Kokomo, IN
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** IN, MI, OH, SC, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.059%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $772
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 59
- **Dollar Volume:** $14 million
- **Applications Received:** 88
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $231,271
- **Average Borrower Income:** $146,593
- **Average Property Value:** $363,983

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 59 | -0.059% | $772 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 37 loans, Score: 39/100 (Acceptable)
- Refinance: 22 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 37 | $10M | +0.140% | Acceptable 🙂 |
| Refinance | 50/100 | 22 | $3M | -0.437% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 54 | 0.06% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kokomo, IN | IN | 32 | 78/100 |
| Indianapolis | IN | 14 | 50/100 |

## Where This Lender Ranks

Community First Bank of Indiana appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Kokomo, IN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Kokomo, IN
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders)
- 🏆 **#8** in Kokomo, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Community First Bank of Indiana offer?

Community First Bank of Indiana offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community First Bank of Indiana offer mortgages?

Community First Bank of Indiana offers mortgages in 5 states: IN, MI, OH, SC, TN.

### How competitive are Community First Bank of Indiana's mortgage rates?

Community First Bank of Indiana has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.059% below market average.

### What type of lender is Community First Bank of Indiana?

Community First Bank of Indiana is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Kokomo, IN.

### What is Community First Bank of Indiana's loan approval success rate?

Community First Bank of Indiana has a pull-through score of 35/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-first-bank-of-india

### How to Cite

> "Community First Bank of Indiana Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-first-bank-of-india

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