Communityamerica Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Communityamerica Federal Credit Union of Lenexa, KS reported 9,380 mortgage applications totaling $1.9 billion, up 16% from 2023. The average application was for $199,673, and applicants reported an average income of $143,368. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Kansas City, MO-KS (8,399), St. Louis, MO-IL (112) and Lawrence, KS (63) (applications in parentheses).
| Mortgage Company & Address | Communityamerica Federal Credit Union 9777 Ridge Dr Lenexa, KS 66219 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,380 |
| Total Mortgage Loan Application Amount | $1,872,940,000 |
| Average Mortgage Loan Application Amount | $199,673 |
| Highest Mortgage Loan Application Amount | $33,385,000 |
| Average Applicant Income | $143,368 |
| Highest Applicant Income | $5,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Communityamerica Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 8,399 | $ 1,595,695,000 | $ 189,986 | $ 143,766 |
| Outside any metro area | 463 | $ 119,435,000 | $ 257,958 | $ 128,270 |
| St. Louis, MO-IL | 112 | $ 18,000,000 | $ 160,714 | $ 159,750 |
| Lawrence, KS | 63 | $ 12,755,000 | $ 202,460 | $ 133,000 |
| St. Joseph, MO-KS | 46 | $ 11,770,000 | $ 255,869 | $ 113,000 |
| Topeka, KS | 37 | $ 30,355,000 | $ 820,405 | $ 105,000 |
| Springfield, MO | 18 | $ 3,330,000 | $ 185,000 | $ 107,000 |
| Wichita, KS | 17 | $ 3,965,000 | $ 233,235 | $ 148,000 |
| Chicago-Naperville, IL | 14 | $ 1,960,000 | $ 140,000 | $ 123,000 |
| Atlanta-Sandy Springs-Roswell, GA | 11 | $ 4,385,000 | $ 398,636 | $ 176,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 2,180,000 | $ 272,500 | $ 108,000 |
| Columbia, MO | 7 | $ 965,000 | $ 137,857 | $ 125,000 |
| Dallas-Plano-Irving, TX | 7 | $ 3,895,000 | $ 556,428 | $ 226,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 3,075,000 | $ 439,285 | $ 275,000 |
| Manhattan, KS | 7 | $ 1,885,000 | $ 269,285 | $ 169,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 2,730,000 | $ 455,000 | $ 166,000 |
| Joplin, MO | 6 | $ 810,000 | $ 135,000 | $ 100,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,290,000 | $ 381,666 | $ 205,000 |
| Oklahoma City, OK | 6 | $ 2,010,000 | $ 335,000 | $ 137,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,435,000 | $ 287,000 | $ 133,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,575,000 | $ 315,000 | $ 139,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,200,000 | $ 550,000 | $ 361,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 2,580,000 | $ 645,000 | $ 237,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 680,000 | $ 170,000 | $ 127,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 2,240,000 | $ 560,000 | $ 304,750 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,150,000 | $ 287,500 | $ 169,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 2,090,000 | $ 522,500 | $ 146,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,880,000 | $ 470,000 | $ 151,000 |
| Tampa, FL | 4 | $ 840,000 | $ 210,000 | $ 129,000 |
| Austin-Round Rock, TX | 3 | $ 945,000 | $ 315,000 | $ 183,000 |
| Colorado Springs, CO | 3 | $ 1,185,000 | $ 395,000 | $ 200,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 1,265,000 | $ 421,666 | $ 178,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,105,000 | $ 368,333 | $ 443,000 |
| Prescott Valley-Prescott, AZ | 3 | $ 1,475,000 | $ 491,666 | $ 226,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 735,000 | $ 245,000 | $ 221,000 |
| Amarillo, TX | 2 | $ 900,000 | $ 450,000 | $ 206,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 1,580,000 | $ 790,000 | $ 339,000 |
| Cincinnati, OH-KY-IN | 2 | $ 550,000 | $ 275,000 | $ 98,000 |
| Des Moines-West Des Moines, IA | 2 | $ 890,000 | $ 445,000 | $ 463,000 |
| Durham-Chapel Hill, NC | 2 | $ 830,000 | $ 415,000 | $ 177,000 |
| Everett, WA | 2 | $ 270,000 | $ 135,000 | $ 38,000 |
| Fort Smith, AR-OK | 2 | $ 360,000 | $ 180,000 | $ 84,000 |
| Fresno, CA | 2 | $ 730,000 | $ 365,000 | $ 116,000 |
| Jacksonville, FL | 2 | $ 520,000 | $ 260,000 | $ 230,000 |
| Lawton, OK | 2 | $ 160,000 | $ 80,000 | $ 98,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 610,000 | $ 305,000 | $ 176,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 710,000 | $ 355,000 | $ 130,000 |
| Peoria, IL | 2 | $ 750,000 | $ 375,000 | $ 64,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 960,000 | $ 480,000 | $ 177,500 |
| Traverse City, MI | 2 | $ 420,000 | $ 210,000 | $ 96,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 510,000 | $ 255,000 | $ 98,000 |
| Worcester, MA-CT | 2 | $ 900,000 | $ 450,000 | $ 184,000 |
| Akron, OH | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Ames, IA | 1 | $ 445,000 | $ 445,000 | $ 106,000 |
| Birmingham-Hoover, AL | 1 | $ 395,000 | $ 395,000 | $ 282,000 |
| Bremerton-Silverdale, WA | 1 | $ 1,155,000 | $ 1,155,000 | $ 740,000 |
| Canton-Massillon, OH | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Chattanooga, TN-GA | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 325,000 | $ 325,000 | $ 140,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Duluth, MN-WI | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Fort Collins, CO | 1 | $ 505,000 | $ 505,000 | $ 135,000 |
| Greensboro-High Point, NC | 1 | $ 425,000 | $ 425,000 | $ 180,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Harrisburg-Carlisle, PA | 1 | $ 335,000 | $ 335,000 | $ 94,000 |
| Hot Springs, AR | 1 | $ 195,000 | $ 195,000 | $ 40,000 |
| Jackson, MS | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Knoxville, TN | 1 | $ 1,165,000 | $ 1,165,000 | $ 720,000 |
| Kokomo, IN | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 245,000 | $ 245,000 | $ 66,000 |
| Lakeland-Winter Haven, FL | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 505,000 | $ 505,000 | $ 331,000 |
| Lincoln, NE | 1 | $ 195,000 | $ 195,000 | $ 154,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 555,000 | $ 555,000 | $ 271,000 |
| Lubbock, TX | 1 | $ 325,000 | $ 325,000 | $ 312,000 |
| Lynchburg, VA | 1 | $ 335,000 | $ 335,000 | $ 185,000 |
| Marietta, GA | 1 | $ 685,000 | $ 685,000 | $ 453,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 595,000 | $ 595,000 | $ 205,000 |
| New Haven-Milford, CT | 1 | $ 265,000 | $ 265,000 | $ 121,000 |
| Ocala, FL | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 495,000 | $ 495,000 | $ 125,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Panama City, FL | 1 | $ 95,000 | $ 95,000 | $ 73,000 |
| Pittsburgh, PA | 1 | $ 515,000 | $ 515,000 | $ 203,000 |
| Raleigh, NC | 1 | $ 355,000 | $ 355,000 | $ 81,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 365,000 | $ 365,000 | $ 74,000 |
| Rockford, IL | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| San Antonio-New Braunfels, TX | 1 | $ 295,000 | $ 295,000 | $ 76,000 |
| Spartanburg, SC | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Texarkana, TX-AR | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Trenton, NJ | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tucson, AZ | 1 | $ 455,000 | $ 455,000 | $ 214,000 |
| Tulsa, OK | 1 | $ 495,000 | $ 495,000 | $ 270,000 |
| Washington, DC-MD | 1 | $ 455,000 | $ 455,000 | $ 226,000 |
| Wildwood-The Villages, FL | 1 | $ 415,000 | $ 415,000 | $ 263,000 |
| Yakima, WA | 1 | $ 445,000 | $ 445,000 | $ 181,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 285,000 | $ 285,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Communityamerica Federal Credit Union in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,416 | $1,090,320,000 | $319,000 | $8,705,000 | $152,000 | $5,500,000 |
| Home Improvement | 2,172 | $168,480,000 | $77,000 | $615,000 | $142,000 | $1,620,000 |
| Other Purpose | 1,735 | $119,475,000 | $68,000 | $505,000 | $125,000 | $1,342,000 |
| Refinancing | 1,501 | $365,895,000 | $243,000 | $33,385,000 | $153,000 | $1,393,000 |
| Cash-out Refinancing | 556 | $128,770,000 | $231,000 | $2,845,000 | $127,000 | $1,186,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,660 | $1,216,290,000 | $182,000 | $2,165,000 | $148,000 | $5,500,000 |
| Black or African American | 801 | $126,915,000 | $158,000 | $1,455,000 | $112,000 | $1,080,000 |
| Not Provided | 686 | $157,560,000 | $229,000 | $2,035,000 | $151,000 | $1,393,000 |
| Hispanic | 641 | $101,775,000 | $158,000 | $1,105,000 | $114,000 | $900,000 |
| Asian | 357 | $92,135,000 | $258,000 | $1,505,000 | $157,000 | $1,399,000 |
| Not applicable | 120 | $160,440,000 | $1,337,000 | $33,385,000 | $0 | $0 |
| American Indian or Alaskan Native | 91 | $15,085,000 | $165,000 | $695,000 | $144,000 | $1,620,000 |
| Native Hawaiian or Other Pacific Islander | 24 | $2,740,000 | $114,000 | $515,000 | $110,000 | $315,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,900 | $1,735,960,000 | $195,000 | $33,385,000 | $145,000 | $5,500,000 |
| FHA-insured (Federal Housing Administration) | 370 | $100,420,000 | $271,000 | $525,000 | $101,000 | $307,000 |
| VA-guaranteed (Veterans Administration) | 100 | $34,350,000 | $343,000 | $875,000 | $116,000 | $324,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $2,210,000 | $221,000 | $395,000 | $83,000 | $137,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,246 | $1,330,040,000 | $212,000 | $33,385,000 | $153,000 | $5,500,000 |
| Application Denied By Financial Institution | 1,411 | $144,225,000 | $102,000 | $2,845,000 | $108,000 | $1,620,000 |
| Application Withdrawn By Applicant | 1,091 | $273,975,000 | $251,000 | $2,005,000 | $139,000 | $1,320,000 |
| Application Approved But Not Accepted | 299 | $26,835,000 | $89,000 | $425,000 | $141,000 | $1,342,000 |
| Preapproval Approved but not Accepted | 208 | $66,830,000 | $321,000 | $1,205,000 | $114,000 | $359,000 |
| File Closed For Incompleteness | 119 | $29,295,000 | $246,000 | $825,000 | $124,000 | $1,053,000 |
| Preapproval Denied by Financial Institution | 4 | $1,160,000 | $290,000 | $385,000 | $102,000 | $150,000 |
| Loan Purchased By The Institution | 2 | $580,000 | $290,000 | $415,000 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,965 | $1,727,555,000 | $216,000 | $33,385,000 | $149,000 | $5,500,000 |
| Debt-To-Income Ratio | 497 | $59,905,000 | $120,000 | $2,845,000 | $80,000 | $598,000 |
| Credit Application Incomplete | 397 | $34,195,000 | $86,000 | $505,000 | $141,000 | $1,620,000 |
| Credit History | 313 | $23,905,000 | $76,000 | $505,000 | $96,000 | $543,000 |
| Other | 119 | $14,085,000 | $118,000 | $1,505,000 | $138,000 | $1,189,000 |
| Collateral | 56 | $5,920,000 | $105,000 | $545,000 | $132,000 | $716,000 |
| Unverifiable Information | 18 | $4,560,000 | $253,000 | $1,275,000 | $129,000 | $471,000 |
| Employment History | 12 | $2,080,000 | $173,000 | $395,000 | $83,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $735,000 | $245,000 | $345,000 | $65,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Communityamerica Federal Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Communityamerica Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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