Communityamerica Credit Union in Missouri vs the state
16.8%Denial rate+1.75 pts vs state
20.0%Decision denial rate+1.27 pts vs state
63.7%Origination rate+1.02 pts vs state
6.49%Median rate-0.13 pts vs state
-0.20Rate spread (pts)-0.55 pts vs state
$111kMedian applicant income
3,721Loans originated
983Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,781 | 3,166 | 20.1% | 6.13% | #7 |
| 2024 | 5,587 | 3,726 | 16.9% | 6.50% | #6 |
| 2025 | 5,843 | 3,721 | 16.8% | 6.49% | #7 |
What Communityamerica Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Communityamerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 2,605 | 1,654 | 462 | 17.7% |
| Clay County | 1,548 | 1,020 | 246 | 15.9% |
| Platte County | 550 | 368 | 77 | 14.0% |
| Cass County | 375 | 246 | 53 | 14.1% |
| St. Louis County | 154 | 93 | 35 | 22.7% |
| Clinton County | 85 | 52 | 11 | 12.9% |
| St. Charles County | 65 | 40 | 15 | 23.1% |
| Lafayette County | 57 | 33 | 13 | 22.8% |
| Johnson County | 51 | 29 | 11 | 21.6% |
| Ray County | 50 | 27 | 8 | 16.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
| Pennymac Loan Services | C | 4,610 | 12.1% | 6.38% |
Frequently asked questions
Missouri: 5,843 applications in 2025, of which 3,721 were originated and 983 denied.
16.8% of all applications, or 20.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Communityamerica Credit Union originated in Missouri in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Communityamerica Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology