Community Mortgage

What Community Mortgage does

Community Mortgage, LLC is a privately held, locally owned residential mortgage lender founded in 2007 and headquartered in Independence, Missouri. The company originates purchase and refinance mortgage loans through a team of 15+ individually NMLS-licensed loan officers distributed across five physical offices in Independence, Kansas City, Overland Park, Warsaw, and Blue Springs. It holds mortgage lending licensure in 12 U.S. states (Kansas, Missouri, Colorado, Iowa, Georgia, Tennessee, Florida, Texas, Alabama, Illinois, Virginia, and California) and serves four primary customer segments: first-time homebuyers, military veterans seeking VA loans, homeowners refinancing for rate reduction or cash-out, and real estate investors requiring non-conforming or portfolio loan products.

The operating model is a hybrid digital-and-relationship platform. Customer-facing technology consists of a SecureLoanDocs online loan application with secure mobile document upload, supplemented by four web calculators (monthly payment, affordability, refinance analysis, rent-vs-buy). The company's website is built on a templated ezloandocs.com marketing platform, not custom-developed infrastructure. Origination is supported by seller/servicer relationships with Fannie Mae and Freddie Mac plus Ginnie Mae access for FHA and VA programs, enabling conforming, government, and non-conforming loan production. Distribution combines direct sales through commissioned loan officers, a self-serve online application path, and a referral channel anchored by relationships with local real estate agents.

The business model is transaction-fee based: revenue is earned per closed loan through origination fees (points), interest rate differentials from the lender network, and closing-cost markups. Pricing is individualized per borrower based on credit profile, loan amount, property type, and prevailing rates, with Good Faith Estimates issued within three days of application per RESPA. The company is independently owned with no disclosed parent, institutional investor, or private equity backing, and no disclosed revenue figures.

Name

Community Mortgage

Legal name

Community Mortgage, LLC

Website

https://communitymortgagekc.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Community Mortgage, LLC is a privately held, Independence, Missouri-based residential mortgage lender founded in 2007. It originates purchase and refinance loans through 15+ loan officers across five offices, is licensed in 12 U.S. states, and serves first-time homebuyers, veterans, refinancers, and real estate investors.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

Keywords

• Residential mortgage lending
• Home purchase financing
• Mortgage refinancing services
• VA and FHA loans
• Investment property loans

Headquarters

HQ city

Independence

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: Community Mortgage earns revenue through originating mortgage loans for home purchases and refinances. Revenue is generated through origination fees (points), interest rate differentials, and closing costs. The company works with a network of lenders to find competitive rates for customers.
2. Refinancing Services: Revenue from refinancing existing mortgages, helping customers lock in lower rates or access home equity through cash-out options.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Community Mortgage, LLC originates residential mortgage loans for individual consumers, offering conforming and non-conforming purchase loans, refinancing (rate reduction, ARM-to-fixed, cash-out), VA and FHA-backed programs, and pre-qualification services. Loan officers in Missouri and Kansas offices guide borrowers through the process using a network of lenders to shop rates, supported by an online application portal, secure mobile document upload, and website-based financial calculators.

Product overview

Community Mortgage offers a mortgage lending platform centered around purchase and refinance loan products. The core offering includes home purchase mortgages (conforming and non-conforming) and refinancing services, supported by pre-qualification assistance. The platform provides customer-facing financial tools including a Monthly Payment Mortgage Calculator, Affordability Calculator, Refinance Analysis Calculator, and Renting Vs Buying Calculator. These tools work together to guide customers through the home buying and refinancing decision-making process.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Loans Mortgage financing for purchasing new homes, including conforming and non-conforming real estate loans for first-time homebuyers, military veterans, and investors. Delivered by Community Mortgage's loan officers across licensed states.
• Refinance Loans Refinancing services for existing homeowners to lock in a long-term fixed rate, convert ARM to fixed-rate, pay off balloon payments, or access home equity through cash-out options. Delivered via the company network of loan officers and supported by the Refinance Analysis Calculator.
• Pre-Qualification Service Online pre-qualification process that determines a borrower's eligibility and buying range before making an offer on a home, allowing them to submit offers with confidence that they will be accepted.

Quantifiable outcome

• Closed thousands of home loans

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Network of LenderscoreTechnology or IntegrationCommunity Mortgage uses their network of lenders to shop for the best rates and loan programs to fit customer needs. This network allows them to compare offers and find optimal financing solutions for homebuyers and refinancing customers.
• Fannie Mae (FNMA)coreTechnology or IntegrationCommunity Mortgage operates as an approved seller/servicer offering conforming loans that meet Fannie Mae guidelines for the secondary mortgage market.
• Freddie Mac (FHLMC)coreTechnology or IntegrationCommunity Mortgage holds seller status with Freddie Mac, enabling them to sell conforming loans to the secondary market and provide competitive mortgage options to customers.
• Real Estate Agent PartnersminorChannel Partner/ Reseller/ DistributorReal estate agents such as Kathy Batesel refer their home buying clients to Community Mortgage for mortgage financing, representing an ongoing referral partnership.
• NMLS Consumer AccessminorOthersCompany is registered on NMLS Consumer Access, the nationwide mortgage licensing system registry administered by CSBS and AARMR.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Academy Mortgage Corporation: Privately held retail mortgage lender with multi-state branch presence and a similar loan officer-led model — closely comparable in operating structure, customer segments (first-time buyers, military), and GSE seller relationships.
• Fairway Independent Mortgage Corporation: Large multi-state retail mortgage lender operating in 40+ states with a hybrid branch-and-digital model; comparable to Community Mortgage's mix of physical offices, online application tools, and GSE seller/servicer status — but at significantly larger scale.
• Guild Mortgage Company: Retail mortgage lender licensed nationwide with strong purchase and refinance offerings across regional branch networks — closely aligned with Community Mortgage's purchase/refinance mix and multi-state branch strategy.
• New American Funding: Multi-state retail mortgage lender serving purchase and refinance customers with both retail and direct-to-consumer channels — comparable in product breadth (conventional, FHA, VA, non-QM) and multi-state licensed footprint.
• PrimeLending (Anywhere Real Estate): Retail mortgage lender owned by a national real estate brokerage with extensive referral-driven purchase lending — closely comparable to Community Mortgage's reliance on real estate agent partnerships as a lead source.

Broad incumbents

• Guaranteed Rate: Large national retail mortgage lender combining a digital platform (Rate.com) with a physical branch network — comparable hybrid distribution model that competes for the same purchase-driven consumer in MO/KS and other licensed states.
• Caliber Home Loans: National retail and correspondent mortgage lender with extensive multi-state branch coverage — comparable product portfolio and channel mix, representing broader incumbent competition to a regional player.
• Rocket Mortgage (Rocket Companies): Largest U.S. retail mortgage originator with a nationally recognized digital brand and the same purchase/refinance product mix — competes directly for Community Mortgage's online-application customer base.
• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender; not a direct retail competitor, but operates in Community Mortgage's broker/partner ecosystem and competes for the same loan officer attention when brokers choose wholesale partners.
• loanDepot: National retail and wholesale mortgage lender offering purchase and refinance across all 50 states — broader scale, but overlapping product set and competition for the same multi-state purchase and refi segments as Community Mortgage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/community-home-loans

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Mortgage