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Community Banc Mortgage Corporation

Independent Mortgage Company•Springfield, ILHQ•Wholesale•Reviews near you on Google

Community Banc Mortgage Corporation has 371 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
USDA Superstar
USDA
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Particularly strong in Conventional and USDA loans

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Report Card

Community Banc Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+34.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
VA
Acceptable
Bottom 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume285
Mix76.8%
Spread
+0.352%Above
Fees
$1,033Fees
VA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume11
Mix3.0%
Spread
-0.062%Below
Fees
$991Fees
USDA Loans
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume75
Mix20.2%
Spread
+0.352%Above
Fees
$1,140Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume324
Mix87.3%
Spread
+0.363%Above
Fees
$1,067Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume47
Mix12.7%
Spread
+0.232%Above
Fees
$934Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
371
Applications
538
Volume
$52 million
Pricing & Closing
Avg Rate Spread
+0.344%
vs. market APOR
Avg Net Fees
$1,047
Origination − Credits
Pullthrough Rate
69.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$141,199
Avg Borrower Income
$81,973
Avg Property Value
$172,817

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest6
ILINMONESDWI
South4
ARKYOKTN
West1
CO

Top Metro Areas by Place Specialization Score

1© Carolyn Cuskey · CC BY 2.0
Paducah, KY, KY-ILMetro
Volume 18Mix 4.85% of portfolio
65/100
Strong
2© Smallbones · CC0
Davenport, IA-ILMetro
Volume 18Mix 4.85% of portfolio
51/100
Sound
3© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, INMetro
Volume 11Mix 2.96% of portfolio
45/100
Sound

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 261Mix 70.35% of portfolio
77/100
Strong
Missouri
Missouri
2
MissouriState
Volume 64Mix 17.25% of portfolio
60/100
Sound
Nebraska
Nebraska
3
NebraskaState
Volume 18Mix 4.85% of portfolio
49/100
Sound
Indiana
Indiana
4
IndianaState
Volume 14Mix 3.77% of portfolio
42/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.