Campus Usa Mortgage Rates, Fees & Info
Alachua, FLLEI: 549300BPDFS1CLV7K329
Tax ID: 59-0637646
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Campus Usa is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Campus Usa has a high proportion of conventional loans. Their top markets include Gainesville, Ocala, Lake City, Jacksonville, and Tallahassee among others. Campus Usa has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Campus Usa is typically a low fee lendor.Originations
1,332Origination Dollar Volume (All Markets)
$216,620,000Awards
CAMPUS USA - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Campus Usa's average 30 year fixed rate mortgage of loans were
3.47%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.32%.
Relative Fees
Campus Usa's average total fees for a 30 year fixed rate
mortgage are $2,903.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| GAINESVILLE, FL (FHA|USDA|VA) | 620 | $108,690,000 | $175,306 | $2,687 | 3.61% |
| OCALA, FL (FHA|USDA|VA) | 367 | $47,735,000 | $130,068 | $2,021 | 3.69% |
| Lake City, FL (FHA|USDA|VA) | 80 | $12,620,000 | $157,750 | $3,118 | 3.70% |
| Outside of Metro Areas | 57 | $10,155,000 | $178,158 | $3,485 | 3.84% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 27 | $6,815,000 | $252,407 | $3,478 | 3.43% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 41 | $5,665,000 | $138,171 | $1,978 | 3.70% |
| THE VILLAGES, FL (FHA|USDA|VA) | 29 | $4,085,000 | $140,862 | $1,679 | 3.64% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 18 | $3,060,000 | $170,000 | $2,398 | 3.83% |
| Palatka, FL (FHA|USDA|VA) | 16 | $2,590,000 | $161,875 | $3,918 | 3.73% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $2,555,000 | $150,294 | $1,775 | 4.03% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $2,360,000 | $295,000 | $4,037 | 3.70% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 15 | $2,225,000 | $148,333 | $2,678 | 4.10% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $4,522 | 3.48% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $4,294 | 3.50% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,887 | 3.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,121 | 3.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $3,328 | 4.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,169 | 3.81% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,296 | 3.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,494 | 2.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,275 | 3.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,165 | 3.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,025 | 3.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $786 | 4.19% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,811 | 2.88% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,931 | 2.75% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,049 | 4.13% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $952 | 3.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $522 | 3.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $157 | 5.50% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,793 | 3.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $601 | 3.63% |
Campus Usa's top markets include Gainesville, Ocala, Lake City, Jacksonville, and Tallahassee among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 1,332 | $216,620,000 | $162,628 | $2,563 | 3.66% |
For the 2021 period, Campus Usa's most frequently originated loan type of loans were Conventional, with 1,332 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 619 | $77,645,000 | $125,436 | $1,433 | 3.81% |
| Home Purchase | 368 | $90,010,000 | $244,592 | $5,091 | 3.60% |
| Refi | 238 | $34,720,000 | $145,882 | $1,594 | 3.38% |
| Other | 89 | $11,695,000 | $131,404 | $1,328 | 3.72% |
| Home Improvement | 18 | $2,550,000 | $141,667 | $1,538 | 3.62% |
For the 2021, Campus Usa's most frequently cited loan purpose of loans were Cash Out Refi, with 619 originations. The 2nd most popular reason of loans were Home Purchase, with 368 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 446 | $96,500,000 | $216,368 | $2,903 | 3.47% |
| 15 Year | 313 | $36,555,000 | $116,789 | $1,422 | 3.67% |
| 20 Year | 254 | $31,970,000 | $125,866 | $2,199 | 3.67% |
| Other | 114 | $14,340,000 | $125,789 | $2,049 | 4.51% |
| 10 Year | 97 | $9,415,000 | $97,062 | $1,129 | 3.05% |
| 30+ year | 86 | $26,450,000 | $307,558 | $7,972 | 3.83% |
| 5 Year | 22 | $1,390,000 | $63,182 | $2,051 | 5.18% |
For the 2021, Campus Usa's most frequently cited loan length of loans were 30 Year, with 446 originations. The 2nd most popular length of loans were 15 Year, with 313 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 691 | $140,985,000 | $204,030 |
| $<1k | 431 | $28,295,000 | $65,650 |
| $2k-3k | 44 | $17,220,000 | $391,364 |
| $3k-4k | 39 | $14,045,000 | $360,128 |
| $5k+ | 11 | $7,985,000 | $725,909 |
$2,903 of loans were Campus Usa's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 691 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 773 | $152,845,000 | $197,730 |
| 2.5-3% | 283 | $43,835,000 | $154,894 |
| 4-5% | 192 | $14,860,000 | $77,396 |
| 5-6% | 54 | $2,250,000 | $41,667 |
| 6-7% | 20 | $1,070,000 | $53,500 |
| <2.5% | 10 | $1,760,000 | $176,000 |
During 2021, Campus Usa's average interest rate of loans were 3.47%, while their most frequently originated rate bucket of loans were 3-4%, with 773 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 496 | $27,040,000 | $54,516 | $910 | 4.11% |
| $100k-200k | 452 | $65,020,000 | $143,850 | $2,174 | 3.40% |
| $200k-400k | 313 | $84,285,000 | $269,281 | $4,257 | 3.39% |
| $400k-600k | 48 | $23,100,000 | $481,250 | $6,078 | 3.42% |
| $600k-1MM | 19 | $12,865,000 | $677,105 | $7,682 | 3.32% |
| $1MM+ | 4 | $4,310,000 | $1,077,500 | $15,115 | 3.31% |
2021 saw Campus Usa place emphasis on $100,000 or less loans with 496 originations, totaling $27,040,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 293 | $51,345,000 | $175,239 | $2,849 | 3.73% |
| $50k-75k | 284 | $36,830,000 | $129,683 | $2,284 | 3.65% |
| $75k-100k | 249 | $36,785,000 | $147,731 | $2,264 | 3.64% |
| $50k or less | 211 | $19,805,000 | $93,863 | $1,638 | 3.59% |
| $150k-250k | 187 | $42,485,000 | $227,193 | $3,380 | 3.68% |
| $250k+ | 76 | $23,700,000 | $311,842 | $4,363 | 3.66% |
Campus Usa lent most frequently to those with incomes in the $100k-150k range, with 293 originations. The second most popular income band? $50k-75k, with 284 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 357 | $56,155,000 | $157,297 | $2,185 | 3.49% |
| 30-36% | 246 | $38,340,000 | $155,854 | $2,341 | 3.78% |
| <20% | 151 | $23,145,000 | $153,278 | $2,521 | 3.42% |
| 40% | 51 | $8,335,000 | $163,431 | $2,887 | 3.91% |
| 36% | 48 | $7,490,000 | $156,042 | $2,674 | 3.79% |
| 41% | 48 | $7,490,000 | $156,042 | $2,213 | 3.91% |
| 38% | 47 | $6,565,000 | $139,681 | $2,057 | 3.83% |
| 43% | 45 | $6,205,000 | $137,889 | $2,949 | 3.71% |
| 39% | 45 | $7,105,000 | $157,889 | $2,551 | 3.79% |
| 42% | 40 | $6,840,000 | $171,000 | $2,898 | 3.67% |
| 37% | 40 | $5,420,000 | $135,500 | $1,908 | 3.86% |
| 50-60% | 38 | $8,490,000 | $223,421 | $4,251 | 3.79% |
| 45% | 36 | $7,730,000 | $214,722 | $4,389 | 3.82% |
| 46% | 35 | $6,625,000 | $189,286 | $3,462 | 3.71% |
| 44% | 30 | $5,220,000 | $174,000 | $2,814 | 3.78% |
| 47% | 18 | $2,830,000 | $157,222 | $2,115 | 3.88% |
| 49% | 17 | $4,195,000 | $246,765 | $4,196 | 3.41% |
| 48% | 13 | $2,325,000 | $178,846 | $2,824 | 3.75% |
| >60% | 12 | $3,480,000 | $290,000 | $3,450 | 3.72% |
Campus Usa lent most frequently to those with DTI ratios of 20-30%, with 357 originations. The next most common DTI ratio? 30-36%, with 246 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 1,131 | $183,075,000 | $161,870 | $2,527 | 3.65% |
| Not provided | 76 | $15,310,000 | $201,447 | $3,404 | 3.66% |
| Black | 73 | $9,395,000 | $128,699 | $2,242 | 3.91% |
| Asian | 31 | $5,765,000 | $185,968 | $2,941 | 3.50% |
| Not applicable | 6 | $1,200,000 | $200,000 | $2,990 | 3.96% |
| American Indian | 10 | $1,120,000 | $112,000 | $1,457 | 4.16% |
| Native Hawaiian | 3 | $635,000 | $211,667 | $3,534 | 3.17% |
| Other Asian | 1 | $65,000 | $65,000 | $734 | 3.25% |
| Asian Indian | 1 | $55,000 | $55,000 | $1,147 | 3.25% |
Approval Rates
Total approvals of all applications89.76%
Campus Usa has an average approval rate.
Pick Rate
Approvals leading to origination79.68%
Campus Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,332 | $216,620,000 | $162,628 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,332 | $216,620,000 | $162,628 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 174 | $12,820,000 | $73,678 | $950 | 3.95% |
| 40-60% | 206 | $28,960,000 | $140,583 | $2,150 | 3.31% |
| 60-80% | 505 | $100,255,000 | $198,525 | $3,073 | 3.46% |
| 80-100% | 242 | $64,850,000 | $267,975 | $4,055 | 3.39% |
| Under 20% | 194 | $7,880,000 | $40,619 | $299 | 4.66% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMPASS MORTGAGE, INC. | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |
