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, The Villages, and Tallahassee among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)Campus Usa 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.39% | 4/21/24 |
| 30 Year Conventional Refi | 6.76% | 4/21/24 |
| 30 Year Cash-out Refi | 6.75% | 4/21/24 |
| 15 Year Conventional Purchase | 6.39% | 4/21/24 |
| 15 Year Conventional Refi | 6.93% | 4/21/24 |
| 15 Year Cash-out Refi | 6.93% | 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. | ||
Campus Usa Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,050Origination Dollar Volume (All Markets)
$161,780,000Awards
CAMPUS USA - 2020
CAMPUS USA is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| GAINESVILLE, FL (FHA|USDA|VA) | 539 | $89,225,000 | $165,538 | $2,543 | 3.72% |
| OCALA, FL (FHA|USDA|VA) | 245 | $31,395,000 | $128,143 | $2,024 | 3.82% |
| Lake City, FL (FHA|USDA|VA) | 68 | $12,100,000 | $177,941 | $3,518 | 3.69% |
| Outside of Metro Areas | 38 | $6,510,000 | $171,316 | $3,814 | 3.81% |
| THE VILLAGES, FL (FHA|USDA|VA) | 21 | $3,365,000 | $160,238 | $1,931 | 3.70% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 24 | $3,320,000 | $138,333 | $2,227 | 3.97% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 21 | $2,535,000 | $120,714 | $2,112 | 3.79% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 12 | $2,330,000 | $194,167 | $3,114 | 3.77% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $2,735 | 4.02% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $3,291 | 3.83% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $1,295,000 | $143,889 | $2,195 | 3.78% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $1,155,000 | $88,846 | $1,892 | 4.14% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $690,000 | $115,000 | $2,159 | 4.43% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $7,337 | 4.00% |
| Palatka, FL (FHA|USDA|VA) | 7 | $585,000 | $83,571 | $1,735 | 4.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,208 | 4.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,934 | 3.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $1,955 | 4.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,280 | 5.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,122 | 4.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $797 | 4.83% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $5,377 | 4.13% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,390 | 3.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,272 | 3.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,935 | 3.88% |
| LIMA, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,844 | 3.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,203 | 3.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $1,436 | 5.19% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,279 | 3.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $842 | 3.25% |
| Forest City, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,169 | 4.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,415 | 4.75% |
| Hutchinson, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,582 | 2.88% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,508 | 3.00% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $425 | 3.75% |
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 | 978 | $156,960,000 | $160,491 | $2,499 | 3.73% |
| HELOC | 72 | $4,820,000 | $66,944 | n/a | 4.41% |
For 2020, Campus Usa's most frequently originated type of loan was Conventional, with 978 originations. Their 2nd most popular type was HELOC, with 72 originations.
Loan Reason
For 2020, Campus Usa's most frequently cited loan purpose was Cash Out Refi, with 528 originations. The 2nd most popular reason was Home Purchase, with 338 originations.
Loan Duration/Length
For 2020, Campus Usa's most frequently cited loan duration was 30 Year, with 337 originations. The 2nd most popular length was 15 Year, with 262 originations.
Origination Fees/Closing Costs
Campus Usa's average total fees were $2,946, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 575 originations.
Interest Rates
During 2020, Campus Usa's average interest rate for loans was 3.79%, while their most frequently originated rate bucket for loans was 3-4%, with 611 originations.
Loan Sizing
2020 saw Campus Usa place emphasis on $100,000 or less loans with 387 originations, totaling $20,955,000 in origination value.
Applicant Income
Campus Usa lent most frequently to those with incomes in the $100k-150k range, with 240 originations. The second most popular income band? $50k-75k, with 223 originations.
Applicant Debt to Income Ratio
Campus Usa lent most frequently to those with DTI ratios of 20-30%, with 293 originations. The next most common DTI ratio? 30-36%, with 209 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.35%
Campus Usa has an average approval rate.
Pick Rate
Approvals leading to origination80.10%
Campus Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,050 | $161,780,000 | $154,076 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,050 | $161,780,000 | $154,076 |