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COMMUNITY BANC MORTGAGE CORPORATION
Independent Mortgage Company|SPRINGFIELD, IL|Multi-Region
Loans Originated
371
Applications
538
Volume
$52 million
Sources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.344%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,047
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Particularly strong in Conventional and USDA loans
Report Card
COMMUNITY BANC MORTGAGE CORPORATION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
VA | Acceptable | Near industry average | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 4 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$141,199
Average Borrower Income
$81,973
Average Property Value
$172,817
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Sound | 285 | 76.8% | +0.352% | $1,033 |
VA Loans | Acceptable | Acceptable | N/A | N/A | 11 | 3.0% | -0.062% | $991 |
USDA Loans | Strong | Exceptional | Strong | Strong | 75 | 20.2% | +0.352% | $1,140 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 324 | 87.3% | +0.363% | $1,067 |
Refinance | Sound | Sound | Strong | Acceptable | 47 | 12.7% | +0.232% | $934 |
Geographic Coverage
Metro Areas
3
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARCOILINKYMONEOKSDTNWI
Top Metro Areas by Place Specialization Score
1
Paducah, KY, KY-ILMSA
Volume: 18Mix: 4.85%
Place Specialization
Strong
2
Davenport, IA-ILMSA
Volume: 18Mix: 4.85%
Place Specialization
Sound
3
Lake County, INMSA
Volume: 11Mix: 2.96%
Place Specialization
Sound
Top States by Place Specialization Score
1
ILState
Volume: 261Mix: 70.35%
Place Specialization
Strong
2
MOState
Volume: 64Mix: 17.25%
Place Specialization
Sound
3
NEState
Volume: 18Mix: 4.85%
Place Specialization
Sound
4
INState
Volume: 14Mix: 3.77%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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