# CREDIT UNION OF AMERICA

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


> **📋 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


CREDIT UNION OF AMERICA is a credit union, headquartered in Wichita, KS, serving borrowers across 5 states, with 324 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300RRQHIHHM9I4K21
- **Headquarters:** Wichita, KS
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AR, CO, KS, MO, OK
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.4%
- **Brokered/Wholesale:** 0.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.085%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,208
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 324
- **Dollar Volume:** $71 million
- **Applications Received:** 772
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $219,846
- **Average Borrower Income:** $108,932
- **Average Property Value:** $279,352

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 319 | -0.089% | $2,205 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 268 loans, Score: 65/100 (Strong)
- Refinance: 51 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 273 | $61M | -0.115% | Strong 😀 |
| Refinance | 58/100 | 51 | $10M | +0.101% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 315 | 1.05% | 90/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita, KS | KS | 265 | 92/100 |
| Non |  | 52 | 46/100 |

## Where This Lender Ranks

CREDIT UNION OF AMERICA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Wichita, KS Credit Unions
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Wichita, KS for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Kansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Kansas Credit Unions
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions)
- 🏆 **#18** in Wichita, KS
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders)
- 🏆 **#18** in Wichita, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does CREDIT UNION OF AMERICA offer?

CREDIT UNION OF AMERICA offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CREDIT UNION OF AMERICA offer mortgages?

CREDIT UNION OF AMERICA offers mortgages in 5 states: AR, CO, KS, MO, OK.

### How competitive are CREDIT UNION OF AMERICA's mortgage rates?

CREDIT UNION OF AMERICA has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.085% below market average.

### What type of lender is CREDIT UNION OF AMERICA?

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

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

CREDIT UNION OF AMERICA has a pull-through score of 51/100 (Sound). 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/credit-union-of-america

### How to Cite

> "CREDIT UNION OF AMERICA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/credit-union-of-america

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