Applications / Mortgage Analytics / Lenders / Missouri / Community Mortgage
Kansas City, MO · Independent non-bank lender · CFPB · 923 loans in 2025
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923
loans originated, 2025
1,055
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Mortgage, a non-bank lender in Kansas City, Missouri, lends mostly to home buyers of modest means: 42.6% of its borrowers in 2025 had low or moderate incomes, against 26.8% at similar lenders.
Its share of low- and moderate-income (LMI) borrowers was higher than at about nine in ten similar lenders (independent non-banks making between half and twice as many loans). Its typical loan, $245,000, was smaller than at more than four in five of them, where the typical figure was $325,000. It also made 24.5% of its loans in LMI neighborhoods, against 18.3%.
Purchases made up 80.3% of its lending. Loans insured by the Federal Housing Administration (FHA) were 27.8%, against 21.5% at similar lenders, and loans guaranteed by the Department of Veterans Affairs (VA) 9.2%, against 6.3%. It turned down 1.1% of home-purchase applications, against 3.1% at a typical peer, and 4.2% of refinance applications, against 6.1%.
Its loans peaked at 3,657 in 2020 and dropped to 788 by 2023. Since then volume has edged up, to 923 in 2025, a rise of 3%. That matched a typical similar lender, which grew 2%, but trailed the whole market's 10%.
In Kansas City it ranked 25 of 659 lenders, with 1.1% of the market, down from 1.2%; slower growth than the market as a whole may account for the slip. CommunityAmerica Federal Credit Union leads there with $1.29B. In Topeka its share rose to 0.3% from 0.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Mortgage took 1,055 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.3% · Refinance 19.7%
Conventional 61.5% · FHA 27.8% · VA 9.2% · USDA (RHS or FSA) 1.4% · of 923 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 703 | 76.2% |
| Kansas | 177 | 19.2% |
| Tennessee | 29 | 3.1% |
| Illinois | 7 | 0.8% |
| California | 3 | 0.3% |
| Texas | 3 | 0.3% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 625 |
| St. Louis | 64 |
| Nashville-Davidson--Murfreesboro--Franklin | 28 |
| St. Joseph | 11 |
| Topeka | 11 |
| Jefferson City | 6 |
| Lawrence | 4 |
| Springfield | 4 |
| Columbia | 2 |
| Riverside-San Bernardino-Ontario | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MU3SP76R81WW62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438964 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7208763489 |
Established 20 October 2006. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Community Mortgage's data.
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