Communityamerica Mortgage Rates, Fees & Info
Lenexa, KSLEI: 5493002QRULT2T40BH09
Tax ID: 44-6015072
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Mortgage Data
Review & Overview
Communityamerica is a small mortgage company specializing in Refi and Home Purchase 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, Warrensburg, and Ottawa among others. We have data for 117 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% | 4/21/24 |
| 30 Year Conventional Purchase | 6.40% | 4/21/24 |
| 30 Year Conventional Refi | 6.50% | 4/21/24 |
| 30 Year Cash-out Refi | 6.62% | 4/21/24 |
| 30 Year FHA Purchase | 7.12% | 4/21/24 |
| 30 Year FHA Refi | 6.29% | 4/21/24 |
| 30 Year VA Purchase | 6.17% | 4/21/24 |
| 30 Year VA Refi | 6.44% | 4/21/24 |
| 30 Year USDA Purchase | 7.29% | 4/21/24 |
| 15 Year Conventional Purchase | 5.82% | 4/21/24 |
| 15 Year Conventional Refi | 5.74% | 4/21/24 |
| 15 Year Cash-out Refi | 5.74% | 4/21/24 |
| 15 Year FHA Purchase | 7.41% | 4/21/24 |
| 15 Year FHA Refi | 7.55% | 4/21/24 |
| 15 Year VA Purchase | 6.55% | 4/21/24 |
| 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
7,942Origination Dollar Volume (All Markets)
$1,440,910,000Awards
COMMUNITYAMERICA - 2021
COMMUNITYAMERICA is a 2021 , due to their low .
For 2021, 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) | 7,312 | $1,310,040,000 | $179,163 | $2,757 | 3.09% |
| Outside of Metro Areas | 132 | $24,440,000 | $185,152 | $2,916 | 3.02% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 82 | $12,290,000 | $149,878 | $2,700 | 2.86% |
| LAWRENCE, KS (FHA|USDA|VA) | 44 | $7,920,000 | $180,000 | $2,551 | 2.97% |
| Warrensburg, MO (FHA|USDA|VA) | 32 | $5,850,000 | $182,813 | $2,611 | 3.27% |
| Ottawa, KS (FHA|USDA|VA) | 22 | $3,530,000 | $160,455 | $2,857 | 3.11% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 13 | $3,355,000 | $258,077 | $4,891 | 2.69% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 28 | $3,340,000 | $119,286 | $3,380 | 3.58% |
| TOPEKA, KS (FHA|USDA|VA) | 23 | $3,295,000 | $143,261 | $2,555 | 3.03% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 12 | $3,290,000 | $274,167 | $4,653 | 3.18% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $2,695,000 | $299,444 | $3,268 | 2.99% |
| WICHITA, KS (FHA|USDA|VA) | 15 | $2,525,000 | $168,333 | $3,420 | 3.07% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,345,000 | $469,000 | $4,165 | 3.10% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $2,140,000 | $535,000 | $3,302 | 2.97% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $2,732 | 2.79% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $3,290 | 3.09% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 5 | $1,755,000 | $351,000 | $4,966 | 3.05% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $3,392 | 2.84% |
| JOPLIN, MO (FHA|USDA|VA) | 8 | $1,650,000 | $206,250 | $2,085 | 2.77% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $6,465 | 2.81% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $5,336 | 3.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $6,781 | 2.69% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $5,373 | 2.70% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $1,410,000 | $352,500 | $2,629 | 3.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $3,606 | 2.80% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $2,594 | 3.09% |
| TULSA, OK (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $3,451 | 2.83% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $3,660 | 2.55% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $10,823 | 2.88% |
| Atchison, KS (FHA|USDA|VA) | 7 | $1,025,000 | $146,429 | $2,295 | 2.95% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $3,244 | 3.06% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,218 | 2.63% |
| Heber, UT (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $0 | 3.80% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $3,204 | 2.44% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $3,733 | 3.33% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,414 | 3.04% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,660 | 2.83% |
| COLUMBIA, MO (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,091 | 3.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $2,028 | 3.07% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,153 | 2.56% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $5,947 | 2.25% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,940 | 3.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $2,671 | 3.31% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,708 | 3.06% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,149 | 2.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,273 | 2.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,717 | 2.25% |
| Salina, KS (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,298 | 2.42% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,989 | 3.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,754 | 2.75% |
| Pittsburg, KS (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,154 | 3.71% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,702 | 2.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,289 | 3.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,482 | 3.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,331 | 2.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,084 | 2.88% |
| Branson, MO (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,638 | 2.83% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,725 | 3.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,917 | 2.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,271 | 2.38% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,371 | 2.75% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,915 | 3.25% |
| Shelby, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,543 | 2.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,086 | 2.38% |
| Minot, ND (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,212 | 2.38% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 3.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,594 | 3.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,381 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,969 | 2.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,308 | 3.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,953 | 3.25% |
| Beatrice, NE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,224 | 2.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,282 | 2.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,471 | 3.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,535 | 2.63% |
| Farmington, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,453 | 2.88% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,475 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,100 | 3.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,641 | 2.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,888 | 2.75% |
| Fairfield, IA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,502 | 3.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,695 | 3.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,204 | 2.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,477 | 3.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,494 | 2.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,868 | 2.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,405 | 2.75% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,015 | 3.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,516 | 3.00% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,668 | 2.88% |
| AMES, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,601 | 3.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,913 | 2.63% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,145 | 2.88% |
| McPherson, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,381 | 3.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,449 | 3.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,001 | 2.88% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,319 | 2.88% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,957 | 2.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,940 | 3.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,007 | 3.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,640 | 2.25% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,562 | 2.63% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,767 | 2.50% |
| Jacksonville, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,523 | 2.13% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,760 | 3.13% |
| Lebanon, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,047 | 2.63% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.88% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,038 | 3.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.38% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,798 | 2.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,907 | 2.25% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,544 | 3.13% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,866 | 3.00% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $80,000 | $40,000 | $1,718 | 4.06% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,367 | 2.88% |
| Marshall, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.24% |
| Emporia, KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.74% |
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 2021, Communityamerica's most frequently originated type of loan was Conventional, with 5,028 originations. Their 2nd most popular type was HELOC, with 2,550 originations.
Loan Reason
For 2021, Communityamerica's most frequently cited loan purpose was Refi, with 2,456 originations. The 2nd most popular reason was Home Purchase, with 2,054 originations.
Loan Duration/Length
For 2021, Communityamerica's most frequently cited loan duration was 30 Year, with 3,053 originations. The 2nd most popular length was Other, with 2,728 originations.
Origination Fees/Closing Costs
Communityamerica's average total fees were $3,114, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,543 originations.
Interest Rates
During 2021, Communityamerica's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,791 originations.
Loan Sizing
2021 saw Communityamerica place emphasis on $100k-200k loans with 2,769 originations, totaling $403,535,000 in origination value.
Applicant Income
Communityamerica lent most frequently to those with incomes in the $100k-150k range, with 2,036 originations. The second most popular income band? $50k-75k, with 1,530 originations.
Applicant Debt to Income Ratio
Communityamerica lent most frequently to those with DTI ratios of 20-30%, with 2,259 originations. The next most common DTI ratio? 30-36%, with 1,491 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.31%
Communityamerica has an average approval rate.
Pick Rate
Approvals leading to origination76.78%
Communityamerica has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,942 | $1,440,910,000 | $181,429 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7,942 | $1,440,910,000 | $181,429 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| COMMUNITY BANK SYSTEM, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 50.0% |