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 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 St. Joseph among others. We have data for 103 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
5,926Origination Dollar Volume (All Markets)
$985,910,000Awards
COMMUNITYAMERICA - 2022
COMMUNITYAMERICA is a 2022 , due to their low .
For 2022, 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) | 5,469 | $884,005,000 | $161,639 | $3,181 | 4.14% |
| Outside of Metro Areas | 73 | $13,705,000 | $187,740 | $3,872 | 4.72% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 52 | $8,840,000 | $170,000 | $2,927 | 3.74% |
| LAWRENCE, KS (FHA|USDA|VA) | 43 | $7,655,000 | $178,023 | $3,182 | 4.26% |
| TOPEKA, KS (FHA|USDA|VA) | 37 | $4,995,000 | $135,000 | $2,691 | 4.35% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 26 | $4,220,000 | $162,308 | $2,510 | 4.40% |
| Warrensburg, MO (FHA|USDA|VA) | 23 | $3,885,000 | $168,913 | $2,926 | 4.39% |
| Ottawa, KS (FHA|USDA|VA) | 20 | $3,560,000 | $178,000 | $3,566 | 4.64% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $3,450,000 | $431,250 | $6,900 | 4.44% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $3,320,000 | $415,000 | $6,082 | 4.02% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $6,084 | 4.48% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $2,250,000 | $375,000 | $5,878 | 3.71% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $2,195,000 | $2,195,000 | $10,035 | 5.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $5,119 | 6.09% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $1,430,000 | $178,750 | $4,156 | 4.60% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $14,162 | 3.94% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $3,954 | 4.17% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $4,825 | 4.63% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $3,809 | 4.44% |
| COLUMBIA, MO (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,397 | 4.40% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $6,475 | 3.67% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $5,890 | 4.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $8,972 | 4.38% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $3,959 | 5.71% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $2,966 | 5.35% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $4,766 | 3.92% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,960 | 4.19% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,286 | 4.69% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,524 | 5.06% |
| Branson, MO (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $3,159 | 4.29% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $7,002 | 2.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $4,717 | 4.08% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $2,685 | 3.72% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $4,572 | 4.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,650 | 5.96% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $2,169 | 4.00% |
| JOPLIN, MO (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $2,465 | 3.77% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,260 | 3.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $11,413 | 2.25% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,765 | 5.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,067 | 3.19% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,892 | 6.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,170 | 3.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,791 | 4.19% |
| Pittsburg, KS (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $6,520 | 5.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,572 | 3.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,881 | 4.88% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,348 | 4.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $15,898 | 4.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,944 | 5.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,447 | 4.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,772 | 4.63% |
| Emporia, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,668 | 5.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,254 | 4.38% |
| Oxford, MS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,312 | 4.38% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,520 | 3.75% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,518 | 5.38% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,822 | 5.75% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,908 | 3.63% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,991 | 2.25% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,983 | 5.13% |
| Salina, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,581 | 4.31% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,562 | 5.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,686 | 4.63% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 3.87% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,635 | 4.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,042 | 5.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,298 | 2.50% |
| McPherson, KS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,089 | 4.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,871 | 2.50% |
| Rolla, MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,094 | 5.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,898 | 6.50% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,536 | 4.75% |
| Maryville, MO (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,927 | 4.06% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,412 | 4.75% |
| Coffeyville, KS (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,715 | 5.19% |
| Sedalia, MO (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,075 | 5.13% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,045 | 4.00% |
| Farmington, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,101 | 2.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,230 | 6.00% |
| Guymon, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,945 | 5.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,115 | 2.50% |
| Atchison, KS (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $0 | 4.91% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,635 | 5.38% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,085 | 6.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,071 | 4.38% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.50% |
| TULSA, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,383 | 3.38% |
| ROME, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,616 | 4.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,764 | 5.25% |
| Hannibal, MO (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,051 | 3.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,947 | 4.38% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.38% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,505 | 5.25% |
| Marshall, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,247 | 6.25% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,578 | 6.38% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,649 | 5.75% |
| Winfield, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,052 | 7.50% |
| Moberly, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.99% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,643 | 5.75% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.25% |
| Henderson, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,351 | 4.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,427 | 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 2022, Communityamerica's most frequently originated type of loan was HELOC, with 3,251 originations. Their 2nd most popular type was Conventional, with 2,532 originations.
Loan Reason
For 2022, Communityamerica's most frequently cited loan purpose was Home Purchase, with 1,889 originations. The 2nd most popular reason was Home Improvement, with 1,581 originations.
Loan Duration/Length
For 2022, Communityamerica's most frequently cited loan duration was Other, with 3,354 originations. The 2nd most popular length was 30 Year, with 1,994 originations.
Origination Fees/Closing Costs
Communityamerica's average total fees were $3,448, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,484 originations.
Interest Rates
During 2022, Communityamerica's average interest rate for loans was 4.68%, while their most frequently originated rate bucket for loans was 3-4%, with 1,886 originations.
Loan Sizing
2022 saw Communityamerica place emphasis on $100,000 or less loans with 2,391 originations, totaling $138,875,000 in origination value.
Applicant Income
Communityamerica lent most frequently to those with incomes in the $100k-150k range, with 1,588 originations. The second most popular income band? $150k-250k, with 1,333 originations.
Applicant Debt to Income Ratio
Communityamerica lent most frequently to those with DTI ratios of 20-30%, with 1,492 originations. The next most common DTI ratio? 30-36%, with 1,188 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.95%
Communityamerica has a below average approval rate.
Pick Rate
Approvals leading to origination81.00%
Communityamerica has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,926 | $985,910,000 | $166,370 |
LTV Distribution
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% |