Purchase Originations
2,431
Ranked #188 nationally
Median Total Costs
$3,243
−51.5% vs national ($6,680)
↑ $104 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$999
Median Lender Credits
$500
Cost Rank (500+ vol.)
#55
among lenders with 500+ originations
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,199 | 6.500% | $3,157 | $999 |
| fha | 171 | 6.500% | $8,477 | $999 |
| va | 55 | 6.375% | $3,436 | $895 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 1,258 | 6.500% | $3,199 | #11 |
| Kansas | 977 | 6.500% | $3,245 | #5 |
| California | 34 | 6.200% | $6,322 | — |
| Texas | 27 | 6.375% | $4,221 | — |
| Arkansas | 17 | 6.125% | $2,848 | — |
| Kentucky | 13 | 6.375% | $1,643 | — |
| Florida | 12 | 6.125% | $6,059 | — |
| Michigan | 9 | 6.575% | $4,438 | — |
| North Carolina | 7 | 5.775% | $0 | — |
| Nebraska | 7 | 6.375% | $4,324 | — |
| Georgia | 6 | 5.875% | $5,494 | — |
| Illinois | 6 | 6.500% | $5,136 | — |
| Iowa | 5 | 6.500% | $3,265 | — |
| Nevada | 5 | 5.525% | $7,433 | — |
| Arizona | 4 | 6.312% | $6,914 | — |
| Tennessee | 4 | 6.875% | $3,215 | — |
| Alabama | 3 | 6.150% | $1,952 | — |
| Colorado | 3 | 6.000% | $5,830 | — |
| Indiana | 3 | 6.625% | $1,864 | — |
| Oklahoma | 3 | 6.250% | $4,078 | — |
| Washington | 3 | 6.000% | $9,988 | — |
| Wisconsin | 3 | 6.125% | $3,934 | — |
| Massachusetts | 2 | 5.875% | $5,996 | — |
| Minnesota | 2 | 6.312% | $3,353 | — |
| Ohio | 2 | 6.600% | $2,608 | — |
| Oregon | 2 | 6.625% | $4,506 | — |
| Pennsylvania | 2 | 6.625% | $4,724 | — |
| Virginia | 2 | 6.875% | $3,806 | — |
| Connecticut | 1 | 5.250% | $6,256 | — |
| Mississippi | 1 | 6.450% | $1,685 | — |
| North Dakota | 1 | 7.000% | $22,307 | — |
| New Jersey | 1 | 5.975% | $3,708 | — |
| New Mexico | 1 | 6.125% | $3,708 | — |
| Rhode Island | 1 | 6.475% | $3,177 | — |
| South Carolina | 1 | 6.375% | $3,850 | — |
| Utah | 1 | 6.375% | $1,722 | — |
| West Virginia | 1 | 6.250% | $2,890 | — |
| Wyoming | 1 | 6.050% | $2,389 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,826 | 6.325% | — | 6 | −$1,417 | |
| 2 | $2,303 | 6.263% | — | 8 | −$940 | |
| 3 | $2,675 | 6.500% | — | 11 | −$568 | |
| 4 | $2,949 | 6.250% | — | 9 | −$294 | |
| 5 | $2,985 | 6.688% | — | 6 | −$258 | |
| 6 | $3,012 | 6.625% | — | 12 | −$231 | |
| 7 | $3,107 | 6.500% | — | 355 | −$136 | |
| 8 | $3,113 | 6.500% | — | 135 | −$130 | |
| 9 | $3,121 | 6.500% | — | 112 | −$122 | |
| 10 | $3,195 | 6.500% | — | 559 | −$48 | |
| 11 | $3,213 | 6.688% | — | 10 | −$30 | |
| 12 | $3,241 | 6.562% | — | 18 | −$2 | |
| 13 | $3,252 | 6.500% | — | 753 | +$9 | |
| 14 | $3,292 | 6.500% | — | 85 | +$49 | |
| 15 | $3,339 | 6.562% | — | 24 | +$96 | |
| 16 | $3,404 | 6.562% | — | 40 | +$161 | |
| 17 | $4,012 | 6.125% | — | 13 | +$769 | |
| 18 | $4,125 | 6.125% | — | 15 | +$882 | |
| 19 | $5,120 | 6.250% | — | 10 | +$1,877 | |
| 20 | $10,590 | 6.000% | — | 17 | +$7,347 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Communityamerica Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $3,243 | $7,127 | −$3,884 (−54.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.