Looking for a different lender?

C

COMMUNITYAMERICA CREDIT UNION

Credit Union|Lenexa, KS|Near-National
Loans Originated
2,497
Applications
3,444
Volume
$839 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar

Pricing and Pullthrough Overview

Average Rate Spread
+0.159%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,255
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.5%
Percentage of applications that result in closed loans

Safe Rate's 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

Report Card

COMMUNITYAMERICA CREDIT UNION performance at a glance

CategoryRatingGradeDetails
Pricing
Rate competitiveness
SoundIndustry Standard
Pull Through
Closing Strength
StrongHighly Competitive
Products
Loan Type Specialists
Specialization score by loan product
Conventional
ExceptionalMarket Leader
FHA
StrongHighly Competitive
VA
StrongHighly Competitive
Jumbo
StrongHighly Competitive
Purpose
Reason specialization
Specialization score by loan purpose
Purchase
ExceptionalMarket Leader
Refinance
StrongHighly Competitive
Places
Geographic coverage
SoundNear-National · 6 metro areas · 36 states
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)

Typical Borrower Profile

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

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Exceptional
Sound
Strong
2,15386.2%+0.140%$1,222
FHA Loans
Strong
Strong
Strong
Strong
2088.3%+0.458%$1,585
VA Loans
Strong
Strong
Sound
Strong
642.6%-0.169%$1,237
Jumbo Loans
Strong
Strong
Strong
Strong
652.6%-0.027%$1,211

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Exceptional
Sound
Strong
2,10984.5%+0.176%$1,235
Refinance
Strong
Strong
Strong
Strong
38815.5%+0.075%$1,359

Geographic Coverage

Metro Areas
5
States Served
36
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

AKALARAZCACOCTDCFLGAIAILINKSMAMIMNMOMSNCNDNENMNVOHOKORPASCSDTNTXVAWAWIWY

Top Metro Areas by Place Specialization Score

1
Kansas City, MO, MO-KSMSA
Volume: 2,185Mix: 87.51%
Place Specialization
Exceptional
2
St. Joseph, MO, MO-KSMSA
Volume: 22Mix: 0.88%
Place Specialization
Sound
3
Lawrence, KS, KSMSA
Volume: 23Mix: 0.92%
Place Specialization
Sound
4
St. Louis, MO, MO-ILMSA
Volume: 25Mix: 1.00%
Place Specialization
Sound
5
Topeka, KS, KSMSA
Volume: 12Mix: 0.48%
Place Specialization
Sound

Top States by Place Specialization Score

1
KSState
Volume: 1,025Mix: 41.05%
Place Specialization
Exceptional
2
MOState
Volume: 1,333Mix: 53.38%
Place Specialization
Exceptional
3
ILState
Volume: 14Mix: 0.56%
Place Specialization
Acceptable
4
TXState
Volume: 19Mix: 0.76%
Place Specialization
Acceptable
5
FLState
Volume: 15Mix: 0.60%
Place Specialization
Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.

Ready to Get Started?

Compare COMMUNITYAMERICA CREDIT UNION with other lenders or get personalized recommendations.

Compare Lenders