Community Mortgage Corporation
We analyzed every closed loan from Community Mortgage Corporation — 1.6k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 9 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Community Mortgage Corporation performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+20.4 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 891 | 56.6% | +0.227%Above | $2,984Fees | ||||
FHA Loans | 474 | 30.1% | +0.366%Above | $3,069Fees | ||||
VA Loans | 170 | 10.8% | -0.265%Below | $3,166Fees | ||||
USDA Loans | — | 36 | 2.3% | +0.153%Above | $2,028Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume891
Mix56.6%
Spread
+0.227%Above
Fees
$2,984Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume474
Mix30.1%
Spread
+0.366%Above
Fees
$3,069Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume170
Mix10.8%
Spread
-0.265%Below
Fees
$3,166Fees
USDA Loans
OverallExceptional
ProductExceptional
Pricing—
Pull ThroughExceptional
Volume36
Mix2.3%
Spread
+0.153%Above
Fees
$2,028Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,486 | 94.4% | +0.199%Above | $2,999Fees | ||||
Refinance | 88 | 5.6% | +0.273%Above | $3,240Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume1,486
Mix94.4%
Spread
+0.199%Above
Fees
$2,999Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume88
Mix5.6%
Spread
+0.273%Above
Fees
$3,240Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,574
Applications
1,893
Volume
$461 million
Pricing & Closing
Avg Rate Spread
+0.204%
vs. market APOR
Avg Net Fees
$3,015
Origination − Credits
Pullthrough Rate
83.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$293,227
Avg Borrower Income
$126,757
Avg Property Value
$352,922
Geographic Coverage
Geographic Performance
Metro Areas
9
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
7South7
ALARFLGAKYMSTN
Top Metro Areas by Place Specialization Score
Volume 1,062Mix 67.47% of portfolio
100/100
Exceptional
Volume 134Mix 8.51% of portfolio
80/100
Exceptional
Volume 62Mix 3.94% of portfolio
69/100
Strong
Volume 47Mix 2.99% of portfolio
60/100
Sound
Volume 19Mix 1.21% of portfolio
58/100
Sound
Volume 45Mix 2.86% of portfolio
57/100
Sound
Volume 29Mix 1.84% of portfolio
56/100
Sound
Volume 22Mix 1.40% of portfolio
46/100
Sound
Volume 12Mix 0.76% of portfolio
42/100
SoundTop States by Place Specialization Score
1
TennesseeState
Volume 891Mix 56.61% of portfolio
88/100
Exceptional2
MississippiState
Volume 351Mix 22.30% of portfolio
82/100
Exceptional3
ArkansasState
Volume 257Mix 16.33% of portfolio
76/100
Strong4
GeorgiaState
Volume 55Mix 3.49% of portfolio
53/100
Sound5
AlabamaState
Volume 11Mix 0.70% of portfolio
38/100
AcceptableHow 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.