Communityamerica Federal Credit Union mortgage approval rate & lending review
Communityamerica Federal Credit Union decided 17,273 mortgage applications and funded 13,899 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Communityamerica Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Communityamerica Federal Credit Union at a glance
Approval is 8.1 points above the 75.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 6,014 / 6,339 | 99% | $285K | 5,928 |
| Home improvement loans | 76% | 4,445 / 5,883 | 92% | $65K | 4,106 |
| Cash-out refinance | 74% | 652 / 877 | 100% | $185K | 652 |
| Refinance | 80% | 2,723 / 3,413 | 95% | $125K | 2,583 |
| Investment property purchase | 93% | 501 / 540 | 98% | $205K | 491 |
| Investment cash-out refinance | 76% | 97 / 127 | 100% | $125K | 97 |
| Investment refinance | 72% | 33 / 46 | 100% | $165K | 33 |
| Investment home improvement | 19% | 9 / 48 | 100% | $105K | 9 |
Communityamerica Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 83% | $125K | 9,927 | 7,867 |
| Kansas | 87% | $255K | 6,387 | 5,375 |
| California | 54% | $105K | 330 | 176 |
| Texas | 74% | $285K | 107 | 79 |
| Arkansas | 67% | $145K | 91 | 60 |
| Florida | 80% | $375K | 75 | 59 |
| Illinois | 78% | $225K | 40 | 31 |
| Arizona | 88% | $395K | 25 | 22 |
| Colorado | 78% | $585K | 23 | 18 |
| Georgia | 70% | $555K | 23 | 16 |
| Tennessee | 71% | $195K | 21 | 15 |
| Nevada | 65% | $75K | 20 | 13 |
| North Carolina | 85% | $305K | 20 | 17 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Communityamerica Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Mortgage lenders | 96% | 2,093 | 2,000 |
| Jackson County, MO | Mortgage lenders | 94% | 1,775 | 1,625 |
| Johnson County, KS | Home improvement loans | 83% | 1,697 | 1,303 |
| Jackson County, MO | Home improvement loans | 74% | 1,764 | 1,196 |
| Johnson County, KS | Refinance | 84% | 1,213 | 979 |
| Clay County, MO | Mortgage lenders | 95% | 987 | 922 |
| Clay County, MO | Home improvement loans | 77% | 1,124 | 796 |
| Jackson County, MO | Refinance | 76% | 952 | 675 |
| Clay County, MO | Refinance | 80% | 622 | 479 |
| Platte County, MO | Mortgage lenders | 94% | 391 | 363 |
| Wyandotte County, KS | Mortgage lenders | 94% | 358 | 331 |
| Platte County, MO | Home improvement loans | 81% | 364 | 272 |
The county markets where Communityamerica Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Communityamerica Federal Credit Union
What is Communityamerica Federal Credit Union's mortgage approval rate?
Communityamerica Federal Credit Union approved 83.8% of the 17,273 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 75.7% national rate for the same mix of loan types.
How often do borrowers take the loan Communityamerica Federal Credit Union offers?
Borrowers accepted 96% of the loans Communityamerica Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Communityamerica Federal Credit Union make?
The typical home purchase mortgage loan Communityamerica Federal Credit Union made was $285K; across all loan types its typical loan ran from $65K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Communityamerica Federal Credit Union lend?
Communityamerica Federal Credit Union decided applications in 40 of the states Fat Boy Data covers, most of them in Missouri, Kansas and California.
Can I apply to Communityamerica Federal Credit Union directly?
Yes. Communityamerica Federal Credit Union is a bank or credit union with 84 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Communityamerica Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Communityamerica Federal Credit Union treats applications, then get a rate quote from the lender.