Campus Usa Mortgage Rates, Fees & Info
Alachua, FLLEI: 549300BPDFS1CLV7K329
Tax ID: 59-0637646
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Mortgage Data
Review & 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 by origination volume include: Gainesville, Ocala, Lake City, Tallahassee, and Orlando among others. We have data for 32 markets. (Some data included below & more in-depth data is available with an active subscription.)Campus Usa 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. Campus Usa 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.63% | 4/5/25 |
| 30 Year Conventional Refi | 7.27% | 4/5/25 |
| 30 Year Cash-out Refi | 7.21% | 4/5/25 |
| 15 Year Conventional Purchase | 6.44% | 4/5/25 |
| 15 Year Conventional Refi | 7.80% | 4/5/25 |
| 15 Year Cash-out Refi | 7.80% | 4/5/25 |
| 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. | ||
Campus Usa Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Campus Usa. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
998Origination Dollar Volume (All Markets)
$154,190,000Awards
CAMPUS USA - 2024
CAMPUS USA is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Campus Usa's average 30 year fixed mortgage rate was
6.76%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.21%.
Relative Fees (Closing Costs)
Campus Usa's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,225.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| GAINESVILLE, FL (FHA|USDA|VA) | 423 | $75,585,000 | $178,688 | $2,777 | 7.54% |
| OCALA, FL (FHA|USDA|VA) | 246 | $31,300,000 | $127,236 | $1,937 | 7.67% |
| Lake City, FL (FHA|USDA|VA) | 66 | $9,050,000 | $137,121 | $2,429 | 7.90% |
| Outside of Metro Areas | 52 | $7,350,000 | $141,346 | $2,473 | 7.60% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 54 | $6,300,000 | $116,667 | $1,818 | 7.84% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 27 | $5,005,000 | $185,370 | $2,842 | 7.20% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 20 | $4,470,000 | $223,500 | $3,235 | 7.95% |
| THE VILLAGES, FL (FHA|USDA|VA) | 27 | $2,575,000 | $95,370 | $1,404 | 7.68% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 17 | $2,545,000 | $149,706 | $1,969 | 7.73% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 16 | $1,510,000 | $94,375 | $933 | 7.70% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $3,755 | 7.42% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,189 | 7.31% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,301 | 7.23% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $2,217 | 7.94% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,931 | 7.38% |
| Palatka, FL (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $2,500 | 7.28% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,139 | 7.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $4,094 | 7.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $408 | 8.41% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,249 | 6.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,996 | 6.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,427 | 6.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $322 | 7.51% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,143 | 6.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $140 | 9.33% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,193 | 7.13% |
| Arcadia, FL (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $956 | 8.06% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $140 | 8.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 9.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $165 | 8.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,706 | 5.13% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $791 | 9.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against CAMPUS USA 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 829 | $139,015,000 | $167,690 | $2,390 | 7.37% |
| HELOC | 169 | $15,175,000 | $89,793 | n/a | 8.88% |
For 2024, Campus Usa's most frequently originated type of loan was Conventional, with 829 originations. Their 2nd most popular type was HELOC, with 169 originations.
Loan Reason
For 2024, Campus Usa's most frequently cited loan purpose was Cash Out Refi, with 501 originations. The 2nd most popular reason was Home Purchase, with 275 originations.
Loan Duration/Length
For 2024, Campus Usa's most frequently cited loan duration was 15 Year, with 260 originations. The 2nd most popular length was 20 Year, with 203 originations.
Origination Fees/Closing Costs
Campus Usa's average total fees were $4,225, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 510 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 423 | $33,465,000 | $79,113 |
| 6-7% | 341 | $82,465,000 | $241,833 |
| 7-8% | 133 | $21,465,000 | $161,391 |
| 5-6% | 97 | $15,885,000 | $163,763 |
| 4-5% | 4 | $910,000 | $227,500 |
During 2024, Campus Usa's average interest rate for loans was 6.76%, while their most frequently originated rate bucket for loans was Over 8%, with 423 originations.
Loan Sizing
2024 saw Campus Usa place emphasis on $100,000 or less loans with 526 originations, totaling $29,460,000 in origination value.
Applicant Income
Campus Usa lent most frequently to those with incomes in the $100k-150k range, with 263 originations. The second most popular income band? $150k-250k, with 238 originations.
Applicant Debt to Income Ratio
Campus Usa lent most frequently to those with DTI ratios of 30-36%, with 198 originations. The next most common DTI ratio? 20-30%, with 196 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.30%
Campus Usa has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.78%
Campus Usa has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 998 | $154,190,000 | $154,499 |