# COMMUNITY MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/community-mortgage-mo


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


COMMUNITY MORTGAGE, LLC is a independent mortgage company, headquartered in Independence, MO, serving borrowers across 9 states, with 880 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 30% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300MU3SP76R81WW62
- **Headquarters:** Independence, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, CA, FL, GA, IL, KS, MO, TN, TX
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.131%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,629
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 880
- **Dollar Volume:** $234 million
- **Applications Received:** 993
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $266,398
- **Average Borrower Income:** $108,609
- **Average Property Value:** $324,841

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **USDA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 482 | +0.099% | $1,612 | Strong 😀 |
| FHA | 75/100 | 278 | +0.345% | $1,729 | Strong 😀 |
| VA | 72/100 | 92 | -0.421% | $1,295 | Strong 😀 |
| USDA | 78/100 | 27 | +0.019% | $1,911 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 387 loans, Score: 59/100 (Sound)
- Refinance: 95 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 254 loans, Score: 75/100 (Strong)
- Refinance: 24 loans, Score: 71/100 (Strong)

**VA:**
- Purchase: 82 loans, Score: 72/100 (Strong)

**USDA:**
- Purchase: 27 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 751 | $205M | +0.141% | Strong 😀 |
| Refinance | 63/100 | 129 | $29M | +0.073% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 728 | 0.97% | 84/100 |
| KS | 94 | 0.31% | 70/100 |
| TN | 42 | 0.05% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 581 | 87/100 |
| Non |  | 148 | 58/100 |
| St. Louis, MO | MO-IL | 54 | 61/100 |
| Nashville | TN | 39 | 57/100 |
| St. Joseph, MO | MO-KS | 22 | 60/100 |

## Where This Lender Ranks

COMMUNITY MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Missouri Mortgage Companies
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Missouri for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Kansas City, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in St. Joseph, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in St. Joseph, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in St. Joseph, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Missouri for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Kansas City, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Kansas City, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Kansas City, MO for USDA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Kansas City, MO for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Kansas for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in St. Joseph, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Missouri for FHA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Missouri for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Kansas City, MO
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders)
- 🥉 **#3** in Kansas City, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Kansas City, MO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Kansas Mortgage Companies
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in St. Joseph, MO
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does COMMUNITY MORTGAGE, LLC offer?

COMMUNITY MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does COMMUNITY MORTGAGE, LLC offer mortgages?

COMMUNITY MORTGAGE, LLC offers mortgages in 9 states: AL, CA, FL, GA, IL, KS, MO, TN, TX.

### How competitive are COMMUNITY MORTGAGE, LLC's mortgage rates?

COMMUNITY MORTGAGE, LLC has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.131% above market average.

### What type of lender is COMMUNITY MORTGAGE, LLC?

COMMUNITY MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Independence, MO.

### What is COMMUNITY MORTGAGE, LLC's loan approval success rate?

COMMUNITY MORTGAGE, LLC has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-mortgage-mo

### How to Cite

> "COMMUNITY MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-mortgage-mo

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