Community State Bank Of Missouri Mortgage Rates, Fees & Info

Bowling Green, MO

LEI: 254900RKKWUZX0NEH310

Tax ID: 43-0169830

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Mortgage Data

Review & Overview

Community State Bank Of Missouri is a smaller bank specializing in Home Purchase loans. Community State Bank Of Missouri has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Los Angeles, Warrensburg, Columbia, and Mexico among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

Community State Bank Of Missouri has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

154

Origination Dollar Volume (All Markets)

$30,650,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
ST. LOUIS, MO-IL (FHA|USDA|VA) 45 $12,975,000 $288,333 $0 0.00%
Outside of Metro Areas 90 $12,930,000 $143,667 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $0 0.00%
Warrensburg, MO (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $0 0.00%
COLUMBIA, MO (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
Mexico, MO (FHA|USDA|VA) 8 $540,000 $67,500 $0 0.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $490,000 $245,000 $0 0.00%
Hannibal, MO (FHA|USDA|VA) 3 $415,000 $138,333 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
Quincy, IL-MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
Community State Bank Of Missouri's top markets include St. Louis, Los Angeles, Warrensburg, Columbia, and Mexico among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 154 $30,650,000 $199,026 $0 0.00%

    For 2022, Community State Bank Of Missouri's most frequently originated type of loan was Conventional, with 154 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 79 $20,105,000 $254,494 $0 0.00%
    Cash Out Refi 36 $4,890,000 $135,833 $0 0.00%
    Other 19 $2,055,000 $108,158 $0 0.00%
    Home Improvement 11 $1,875,000 $170,455 $0 0.00%
    Refi 9 $1,725,000 $191,667 $0 0.00%

    For 2022, Community State Bank Of Missouri's most frequently cited loan purpose was Home Purchase, with 79 originations. The 2nd most popular reason was Cash Out Refi, with 36 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 154 $30,650,000 $199,026 $0 0.00%

    For 2022, Community State Bank Of Missouri's most frequently cited loan duration was Other, with 154 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 66 $3,300,000 $50,000 $0 0.00%
    $100k-200k 42 $5,970,000 $142,143 $0 0.00%
    $200k-400k 26 $7,170,000 $275,769 $0 0.00%
    $400k-600k 11 $5,135,000 $466,818 $0 0.00%
    $1MM+ 5 $6,345,000 $1,269,000 $0 0.00%
    $600k-1MM 4 $2,730,000 $682,500 $0 0.00%

    2022 saw Community State Bank Of Missouri place emphasis on $100,000 or less loans with 66 originations, totaling $3,300,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 29 $2,115,000 $72,931 $0 0.00%
    $100k-150k 27 $5,475,000 $202,778 $0 0.00%
    $50k-75k 24 $2,970,000 $123,750 $0 0.00%
    $150k-250k 22 $6,790,000 $308,636 $0 0.00%
    $75k-100k 16 $1,950,000 $121,875 $0 0.00%
    $250k+ 8 $2,990,000 $373,750 $0 0.00%

    Community State Bank Of Missouri lent most frequently to those with incomes in the $50k or less range, with 29 originations. The second most popular income band? $100k-150k, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 154 $30,650,000 $199,026 $0 0.00%

    Community State Bank Of Missouri lent most frequently to those with DTI ratios of Exempt%, with 154 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 123 $22,345,000 $181,667 $0 0.00%
    Not applicable 18 $5,560,000 $308,889 $0 0.00%
    Not provided 8 $2,230,000 $278,750 $0 0.00%
    American Indian 2 $280,000 $140,000 $0 0.00%
    Black 3 $235,000 $78,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.40%

    Community State Bank Of Missouri has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.42%

    Community State Bank Of Missouri has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 154 $30,650,000 $199,026

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    154 $30,650,000 $199,026

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) FHA mortgage Struggling to pay mortgage 2 66.7%
    Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) Other type of mortgage Trouble during payment process 1 33.3%