PlainLender

Community Mortgage, LLC

Independence, MO

Community Mortgage, LLC processed 1,009 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 894 loans with a 0.5% denial rate. Home Purchase was the primary loan purpose. Based in Independence, MO. The approval rate of 88.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Community Mortgage, LLC processed 1,009 HMDA-reported mortgage applications in 2024, originating 894 loans and denying 5 for a denial rate of 0.5% (applicants themselves withdrew 110 files before a decision). The average loan amount was $264,019 at a 6.426% average note rate, and applicants self-reported an average income of $38,000. The lender reports under LEI 549300MU3SP76R81WW62 from Independence, MO.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Community Mortgage, LLC's 88.6% origination rate tells you how often an application turned into funded money; the 0.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (555 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,009
Applications
894
Originated
0.5%
Denial Rate
$264,019
Avg Loan Amount
Avg Interest Rate: 6.426% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 555 485 1 $268,712
FHA 319 284 4 $245,157
VA 105 98 0 $326,524
USDA 30 27 0 $159,000

Top loan types — Community Mortgage, LLC

Top loan types — Community Mortgage, LLC Horizontal bar chart of the top 4 items by value (applications). Top loan types — Community Mortgage, LLC Top 4 1. Conventional 555 2. FHA 319 3. VA 105 4. USDA 30 Top 5 loan types by application volume at Community Mortgage, LLC (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Community Mortgage, LLC (LEI: 549300MU3SP76R81WW62) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Collateral
3
Debt-to-income ratio
1
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 856 754 $270,549
Cash-out Refinancing 87 78 $213,506
Refinancing 66 62 $245,909

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 840 89.8% 0.5%
Black or African American 70 88.6% 1.4%
Asian 19 100.0% 0.0%
Joint 12 100.0% 0.0%
American Indian or Alaska Native 6 83.3% 0.0%
Native Hawaiian or Other Pacific Islander 3 33.3% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 879 89.9% 0.6%
Hispanic or Latino 51 88.2% 0.0%
Joint 19 94.7% 0.0%

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

NBKC BANK

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

FLAT BRANCH MORTGAGE, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

DAS ACQUISITION COMPANY, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

THE CENTRAL TRUST BANK

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare Community Mortgage, LLC vs Mortgage Research Center →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Community Mortgage, LLC process?
Community Mortgage, LLC processed 1,009 mortgage applications in the 2023 HMDA reporting year. Of these, 894 were originated (approved and funded), 110 were withdrawn by the applicant, and 5 were denied.
What is Community Mortgage, LLC's mortgage approval rate?
Community Mortgage, LLC has an approval (origination) rate of 88.6%, meaning 88.6% of all applications resulted in a funded mortgage. The denial rate is 0.5%.
What is the average loan amount at Community Mortgage, LLC?
The average mortgage loan amount at Community Mortgage, LLC is $264,019. The average interest rate is 6.426%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at Community Mortgage, LLC?
The most common reasons for mortgage denial at Community Mortgage, LLC are: Collateral, Debt-to-income ratio, Other. In total, 5 applications were denied out of 1,009 total applications.
What types of mortgage loans does Community Mortgage, LLC offer?
Community Mortgage, LLC processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 555 applications and an average loan amount of $268,712.
What loan purposes does Community Mortgage, LLC serve?
Community Mortgage, LLC serves the following loan purposes: Home Purchase (856 applications), Cash-out Refinancing (87 applications), Refinancing (66 applications). Home Purchase is the most common purpose.
Where is Community Mortgage, LLC located?
Community Mortgage, LLC is headquartered in Independence, MO. The lender is identified by LEI 549300MU3SP76R81WW62 in HMDA data.
How does Community Mortgage, LLC compare in lending across racial demographics?
Community Mortgage, LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 89.8% and denial rate of 0.5%; Black or African American applicants have an approval rate of 88.6% and denial rate of 1.4%; Asian applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.