# COMMUNITYAMERICA CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/communityamerica-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


COMMUNITYAMERICA CREDIT UNION is a credit union, headquartered in Lenexa, KS, serving borrowers across 36 states, with 2,497 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493002QRULT2T40BH09
- **Headquarters:** Lenexa, KS
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KS, MA, MI, MN, MO, MS, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, VA, WA, WI, WY
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.159%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,255
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,497
- **Dollar Volume:** $840 million
- **Applications Received:** 3,444
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $336,354
- **Average Borrower Income:** $155,497
- **Average Property Value:** $429,618

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 2,153 | +0.140% | $1,222 | Exceptional 🤩 |
| FHA | 73/100 | 208 | +0.458% | $1,585 | Strong 😀 |
| VA | 70/100 | 64 | -0.169% | $1,237 | Strong 😀 |
| Jumbo | 79/100 | 65 | -0.027% | $1,211 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,823 loans, Score: 82/100 (Exceptional)
- Refinance: 330 loans, Score: 78/100 (Strong)

**FHA:**
- Purchase: 160 loans, Score: 72/100 (Strong)
- Refinance: 48 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 59 loans, Score: 70/100 (Strong)

**Jumbo:**
- Purchase: 60 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,109 | $734M | +0.176% | Exceptional 🤩 |
| Refinance | 78/100 | 388 | $106M | +0.075% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 1,333 | 1.78% | 88/100 |
| KS | 1,025 | 3.42% | 100/100 |
| TX | 19 | 0.01% | 37/100 |
| FL | 15 | 0.01% | 35/100 |
| IL | 14 | 0.01% | 38/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 2,185 | 100/100 |
| Non |  | 94 | 46/100 |
| St. Louis, MO | MO-IL | 25 | 49/100 |
| Lawrence, KS | KS | 23 | 57/100 |
| St. Joseph, MO | MO-KS | 22 | 57/100 |
| Topeka, KS | KS | 12 | 43/100 |

## Where This Lender Ranks

COMMUNITYAMERICA CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kansas City, MO Credit Unions
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Kansas City, MO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Kansas City, MO for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Kansas City, MO for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Missouri for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Missouri for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Kansas City, MO for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Missouri Credit Unions
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Missouri for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions/va-loans)
- 🥈 **#2** in Kansas for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/va-loans)
- 🥉 **#3** in Kansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Lawrence, KS for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Topeka, KS for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Kansas City, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Kansas Credit Unions
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Kansas for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Kansas for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Kansas City, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Missouri for FHA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/fha-loans)
- 🏆 **#7** in Missouri for Jumbo Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does COMMUNITYAMERICA CREDIT UNION offer?

COMMUNITYAMERICA CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does COMMUNITYAMERICA CREDIT UNION offer mortgages?

COMMUNITYAMERICA CREDIT UNION offers mortgages in 36 states: AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KS, MA, MI, MN, MO, MS, NC, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, VA, WA, WI, WY.

### How competitive are COMMUNITYAMERICA CREDIT UNION's mortgage rates?

COMMUNITYAMERICA CREDIT UNION has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.159% above market average.

### What type of lender is COMMUNITYAMERICA CREDIT UNION?

COMMUNITYAMERICA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lenexa, KS.

### What is COMMUNITYAMERICA CREDIT UNION's loan approval success rate?

COMMUNITYAMERICA CREDIT UNION has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/communityamerica-credit-union

### How to Cite

> "COMMUNITYAMERICA CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/communityamerica-credit-union

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