CREDIT UNION OF AMERICA
WICHITA, KS
CREDIT UNION OF AMERICA processed 1,852 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,001 loans with a 26.9% denial rate. Home Purchase was the primary loan purpose. Based in WICHITA, KS. The approval rate of 54.0% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. CREDIT UNION OF AMERICA processed 1,852 HMDA-reported mortgage applications in 2024, originating 1,001 loans and denying 498 for a denial rate of 26.9% (applicants themselves withdrew 84 files before a decision). The average loan amount was $113,602 at a 7.939% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 549300RRQHIHHM9I4K21 from WICHITA, KS.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. CREDIT UNION OF AMERICA's 54.0% origination rate tells you how often an application turned into funded money; the 26.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,772 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 1,772 | 997 | 453 | $110,260 |
| FHA | 58 | 4 | 33 | $185,345 |
| USDA | 13 | 0 | 10 | $160,385 |
| VA | 9 | 0 | 2 | $241,667 |
Top loan types — CREDIT UNION OF AMERICA
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for CREDIT UNION OF AMERICA (LEI: 549300RRQHIHHM9I4K21) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 718 | 296 | $193,175 |
| Home Improvement | 463 | 290 | $45,108 |
| Other | 342 | 199 | $45,789 |
| Refinancing | 274 | 204 | $100,292 |
| Cash-out Refinancing | 55 | 12 | $139,364 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 1,440 | 57.6% | 24.3% |
| Black or African American | 72 | 55.6% | 30.6% |
| Joint | 44 | 45.5% | 27.3% |
| Asian | 43 | 53.5% | 30.2% |
| American Indian or Alaska Native | 16 | 18.8% | 43.8% |
| 2 or more minority races | 4 | 0.0% | 75.0% |
| Native Hawaiian or Other Pacific Islander | 2 | 50.0% | 50.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 1,364 | 59.2% | 23.6% |
| Hispanic or Latino | 200 | 36.5% | 39.5% |
| Joint | 69 | 66.7% | 18.8% |
Nearby Lenders in KS
Other HMDA-reporting lenders in KS with similar activity. Compare any two side-by-side.
COMMUNITYAMERICA CREDIT UNION
LENEXA, KS
LEADERONE FINANCIAL CORP.
OVERLAND PARK, KS
FARMERS BANK & TRUST
GREAT BEND, KS
Capitol Federal Savings Bank
Lawrence, KS
Armed Forces Bank, N.A.
Leavenworth, KS
Mortgage Lending Guides
Frequently Asked Questions
How many mortgage applications did CREDIT UNION OF AMERICA process?
What is CREDIT UNION OF AMERICA's mortgage approval rate?
What is the average loan amount at CREDIT UNION OF AMERICA?
What are the most common reasons for mortgage denial at CREDIT UNION OF AMERICA?
What types of mortgage loans does CREDIT UNION OF AMERICA offer?
What loan purposes does CREDIT UNION OF AMERICA serve?
Where is CREDIT UNION OF AMERICA located?
How does CREDIT UNION OF AMERICA compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.