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COMMUNITY MORTGAGE, LLC
Independent Mortgage Company|Independence, MO|Multi-Region
Loans Originated
880
Applications
993
Volume
$234 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.131%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,629
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
88.6%
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
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Report Card
COMMUNITY MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$266,398
Average Borrower Income
$108,609
Average Property Value
$324,841
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 482 | 54.8% | +0.099% | $1,612 |
FHA Loans | Strong | Strong | Strong | Exceptional | 278 | 31.6% | +0.345% | $1,729 |
VA Loans | Strong | Strong | Strong | Exceptional | 92 | 10.5% | -0.421% | $1,295 |
USDA Loans | Strong | Strong | Strong | Exceptional | 27 | 3.1% | +0.019% | $1,911 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 751 | 85.3% | +0.141% | $1,652 |
Refinance | Strong | Strong | Strong | Exceptional | 129 | 14.7% | +0.073% | $1,493 |
Geographic Coverage
Metro Areas
4
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALCAFLGAILKSMOTNTX
Top Metro Areas by Place Specialization Score
1
Kansas City, MO, MO-KSMSA
Volume: 581Mix: 66.02%
Place Specialization
Exceptional
2
St. Louis, MO, MO-ILMSA
Volume: 54Mix: 6.14%
Place Specialization
Strong
3
St. Joseph, MO, MO-KSMSA
Volume: 22Mix: 2.50%
Place Specialization
Strong
4
Nashville, TNMSA
Volume: 39Mix: 4.43%
Place Specialization
Sound
Top States by Place Specialization Score
1
MOState
Volume: 728Mix: 82.73%
Place Specialization
Exceptional
2
KSState
Volume: 94Mix: 10.68%
Place Specialization
Strong
3
TNState
Volume: 42Mix: 4.77%
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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