We analyzed every closed loan from Communityamerica Credit Union — 2.5k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 5 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Communityamerica Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+15.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 6 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,153 | 86.2% | +0.140%Above | $1,222Fees | ||||
FHA Loans | 208 | 8.3% | +0.458%Above | $1,585Fees | ||||
VA Loans | 64 | 2.6% | -0.169%Below | $1,237Fees | ||||
Jumbo Loans | 65 | 2.6% | -0.027%Below | $1,211Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,153
Mix86.2%
Spread
+0.140%Above
Fees
$1,222Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume208
Mix8.3%
Spread
+0.458%Above
Fees
$1,585Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume64
Mix2.6%
Spread
-0.169%Below
Fees
$1,237Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume65
Mix2.6%
Spread
-0.027%Below
Fees
$1,211Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,109 | 84.5% | +0.176%Above | $1,235Fees | ||||
Refinance | 388 | 15.5% | +0.075%Above | $1,359Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,109
Mix84.5%
Spread
+0.176%Above
Fees
$1,235Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume388
Mix15.5%
Spread
+0.075%Above
Fees
$1,359Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,497
Applications
3,444
Volume
$839 million
Pricing & Closing
Avg Rate Spread
+0.159%
vs. market APOR
Avg Net Fees
$1,255
Origination − Credits
Pullthrough Rate
72.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$336,354
Avg Borrower Income
$155,497
Avg Property Value
$429,618
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
36Northeast3
CTMAPA
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South12
ALARDCFLGAMSNCOKSCTNTXVA
West9
AKAZCACONMNVORWAWY
Top Metro Areas by Place Specialization Score
Volume 2,185Mix 87.51% of portfolio
100/100
Exceptional
Volume 22Mix 0.88% of portfolio
57/100
Sound
Volume 23Mix 0.92% of portfolio
57/100
Sound
Volume 25Mix 1.00% of portfolio
49/100
Sound
Volume 12Mix 0.48% of portfolio
43/100
SoundTop States by Place Specialization Score
1
KansasState
Volume 1,025Mix 41.05% of portfolio
100/100
Exceptional2
MissouriState
Volume 1,333Mix 53.38% of portfolio
88/100
Exceptional3
IllinoisState
Volume 14Mix 0.56% of portfolio
38/100
Acceptable4
TexasState
Volume 19Mix 0.76% of portfolio
37/100
Acceptable5
FloridaState
Volume 15Mix 0.60% of portfolio
35/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Communityamerica Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.