Lenders › Communityamerica Credit Union › Missouri
Communityamerica Credit Union in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Missouri, Communityamerica Credit Union reported 5,587 applications and 3,726 originations for 2024, $681m in all.
Its denial rate in the state was 19.4%, close to the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 17.7%.
The median rate spread on its Missouri originations was -0.7 percentage points (state median 0.4).
Applications in the state were up 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Communityamerica Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 19.4% | 19.9% | 17.7% | 24.3% |
| Median rate spread, pp | -0.7 | 0.4 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.3% | 14.1% | 6.6% | 15.6% |
| Average originated loan | $183k | $231k | $213k | $329k |
| Home purchase share | 35.1% | 58.6% | 38.9% | 57.0% |
| FHA-insured share | 3.6% | 12.8% | 3.4% | 13.4% |
| VA-guaranteed share | 1.1% | 8.2% | 1.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 35% (1,307)Home improvement 26% (967)Refinancing 15% (561)Cash-out refinancing 5% (181)Other purpose 19% (710)
By type
Conventional 95% (3,546)FHA 4% (134)VA 1% (42)USDA 0% (4)
Denial reasons as coded
Share of 944 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 2,714 | 1,751 | $347m | 21.6% |
| Clay County | 1,474 | 1,048 | $158m | 16.7% |
| Platte County | 519 | 344 | $67m | 19.2% |
| Cass County | 335 | 231 | $45m | 18.3% |
| Lafayette County | 66 | 46 | $7.6m | 12.3% |
| Clinton County | 53 | 38 | $5.5m | 16.7% |
| Ray County | 62 | 33 | $5.0m | 26.0% |
| Johnson County | 53 | 32 | $5.3m | 15.4% |
| St. Louis County | 49 | 28 | $6.0m | 29.3% |
| Buchanan County | 36 | 24 | $7.0m | 14.3% |
| St. Charles County | 32 | 21 | $3.0m | 11.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Communityamerica Credit Union originate in Missouri in 2024?
3,726 loans totalling $681m, from 5,587 applications reported for properties in Missouri.
What is Communityamerica Credit Union's denial rate in Missouri?
19.4% of decided applications in Missouri were denied, against 19.9% for all lenders in the state and 17.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Missouri counties does Communityamerica Credit Union lend in most?
By originations: Jackson County (1,751), Clay County (1,048), Platte County (344), Cass County (231), Lafayette County (46).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.