Communityamerica Mortgage Rates, Fees & Info
Lenexa, KSLEI: 5493002QRULT2T40BH09
Tax ID: 44-6015072
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Mortgage Data
Review & Overview
Communityamerica is a smaller mortgage company specializing in Home Purchase and Refi loans. Communityamerica has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Kansas City, St. Louis, Lawrence, Topeka, and Warrensburg among others. We have data for 88 markets. (Some data included below & more in-depth data is available with an active subscription.)Communityamerica has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Communityamerica is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 4.87% | 12/16/24 |
| 30 Year Conventional Purchase | 6.40% | 12/16/24 |
| 30 Year Conventional Refi | 6.50% | 12/16/24 |
| 30 Year Cash-out Refi | 6.62% | 12/16/24 |
| 30 Year FHA Purchase | 7.12% | 12/16/24 |
| 30 Year FHA Refi | 6.29% | 12/16/24 |
| 30 Year VA Purchase | 6.17% | 12/16/24 |
| 30 Year VA Refi | 6.44% | 12/16/24 |
| 30 Year USDA Purchase | 7.29% | 12/16/24 |
| 15 Year Conventional Purchase | 5.82% | 12/16/24 |
| 15 Year Conventional Refi | 5.74% | 12/16/24 |
| 15 Year Cash-out Refi | 5.74% | 12/16/24 |
| 15 Year FHA Purchase | 7.41% | 12/16/24 |
| 15 Year FHA Refi | 7.55% | 12/16/24 |
| 15 Year VA Purchase | 6.55% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Communityamerica Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,112Origination Dollar Volume (All Markets)
$992,070,000Awards
COMMUNITYAMERICA - 2019
COMMUNITYAMERICA is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5,600 | $907,750,000 | $162,098 | $2,936 | 4.23% |
| Outside of Metro Areas | 154 | $18,210,000 | $118,247 | $2,654 | 4.45% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 63 | $7,975,000 | $126,587 | $2,800 | 4.17% |
| LAWRENCE, KS (FHA|USDA|VA) | 34 | $6,480,000 | $190,588 | $2,832 | 4.53% |
| TOPEKA, KS (FHA|USDA|VA) | 33 | $3,665,000 | $111,061 | $2,930 | 4.33% |
| Warrensburg, MO (FHA|USDA|VA) | 21 | $2,635,000 | $125,476 | $2,499 | 4.33% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 23 | $2,635,000 | $114,565 | $2,895 | 4.60% |
| Ottawa, KS (FHA|USDA|VA) | 14 | $2,550,000 | $182,143 | $2,924 | 4.67% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 8 | $2,380,000 | $297,500 | $3,660 | 3.86% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $2,345,000 | $260,556 | $4,071 | 3.93% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,795,000 | $256,429 | $4,512 | 4.09% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $4,251 | 4.28% |
| WICHITA, KS (FHA|USDA|VA) | 11 | $1,515,000 | $137,727 | $3,362 | 4.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $4,105 | 4.04% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $3,333 | 4.15% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $3,683 | 3.91% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $4,310 | 4.18% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,627 | 3.75% |
| COLUMBIA, MO (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $2,621 | 4.53% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $3,349 | 4.31% |
| TULSA, OK (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $4,504 | 3.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $19,653 | 3.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,334 | 4.04% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,182 | 3.94% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,516 | 4.04% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $7,507 | 4.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,033 | 4.08% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $1,900 | 4.06% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,746 | 4.71% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,484 | 3.69% |
| Kalispell, MT (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,106 | 4.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,960 | 3.69% |
| JOPLIN, MO (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,232 | 4.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,496 | 4.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,289 | 3.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $2,281 | 4.75% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,342 | 3.94% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,840 | 4.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,599 | 4.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,379 | 3.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,944 | 3.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,732 | 4.38% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,993 | 3.37% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,369 | 4.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,557 | 3.25% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,169 | 4.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,282 | 4.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $348 | 3.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,238 | 3.81% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,007 | 3.88% |
| BEND, OR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,171 | 3.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,089 | 3.50% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,932 | 3.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,080 | 4.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,107 | 4.25% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,649 | 3.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,417 | 4.75% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,415 | 3.13% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,615 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,299 | 3.88% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,873 | 4.38% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,414 | 4.13% |
| AKRON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,529 | 4.50% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,959 | 4.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,491 | 3.75% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,772 | 3.63% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,298 | 3.25% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,406 | 4.88% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,283 | 3.75% |
| Dodge City, KS (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,701 | 3.87% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,294 | 4.38% |
| FLINT, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,822 | 3.88% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,065 | 4.50% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,480 | 3.63% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,490 | 4.00% |
| Moberly, MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,344 | 3.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,571 | 4.13% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,712 | 3.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,457 | 4.25% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,750 | 3.75% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,886 | 4.25% |
| Sedalia, MO (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 5.24% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,457 | 3.50% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,261 | 4.13% |
| McPherson, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.24% |
| Atchison, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,766 | 4.13% |
| El Dorado, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,572 | 3.75% |
| Wabash, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,725 | 3.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against COMMUNITYAMERICA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2019, Communityamerica's most frequently originated type of loan was Conventional, with 3,432 originations. Their 2nd most popular type was HELOC, with 2,379 originations.
Loan Reason
For 2019, Communityamerica's most frequently cited loan purpose was Home Purchase, with 2,210 originations. The 2nd most popular reason was Other, with 1,208 originations.
Loan Duration/Length
For 2019, Communityamerica's most frequently cited loan duration was 15 Year, with 2,969 originations. The 2nd most popular length was 30 Year, with 2,787 originations.
Origination Fees/Closing Costs
Communityamerica's average total fees were $3,057, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,641 originations.
Interest Rates
During 2019, Communityamerica's average interest rate for loans was 4.14%, while their most frequently originated rate bucket for loans was 3-4%, with 2,633 originations.
Loan Sizing
2019 saw Communityamerica place emphasis on $100,000 or less loans with 2,358 originations, totaling $128,980,000 in origination value.
Applicant Income
Communityamerica lent most frequently to those with incomes in the $100k-150k range, with 1,684 originations. The second most popular income band? $50k-75k, with 1,191 originations.
Applicant Debt to Income Ratio
Communityamerica lent most frequently to those with DTI ratios of 20-30%, with 1,574 originations. The next most common DTI ratio? 30-36%, with 1,305 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.92%
Communityamerica has an average approval rate.
Pick Rate
Approvals leading to origination64.73%
Communityamerica has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,112 | $992,070,000 | $162,315 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 20.0% |
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Trouble during payment process | 3 | 60.0% |
| COMMUNITY BANK SYSTEM, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 20.0% |