Applications / Mortgage Analytics / Lenders / Kansas / Credit Union of America
Wichita, KS · Credit union · NCUA · $1.8 billion assets · 1,152 loans in 2025
Credit Union of America's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,152
loans originated, 2025
2,546
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Credit Union of America is a Wichita credit union that ranked 7 of 367 lenders in its home market, where its share rose to 3.3%, and it makes much smaller loans than similar lenders.
It ranked 7 of 367 lenders in Wichita, where it has lent since before 1990, and its share rose 0.1 points to 3.3%. Peoples Bank and Trust Company, Rocket Mortgage, Capitol Federal Savings Bank and Meritrust Federal Credit Union were among the market's leaders. It ranked 30 of 398 in non-metro Kansas.
Home purchases were 30.6% of its originations, home improvement 28.0%, refinances 22.0% and other-purpose loans 19.4%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the smallest of them; its home improvement and other-purpose lending is one possible reason for the small size.
Originations rose 15% to 1,152, against 9% at peers and 10% for the whole market, though the count is about half the 2,177 of 2020.
LMI (low- and moderate-income) borrowers took 28.1% of its loans and LMI areas 15.1%, both near the middle of its peers (27.4% and 15.0%). Majority-minority areas took 10.9%, against 9.9%. Its higher-priced share (a rate well above the average for similar loans) was 0.3%, against 1.5% at peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Credit Union of America took 2,546 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 30.6% · Home improvement 28.0% · Refinance 22.0% · Other 19.4%
Conventional 99.7% · FHA 0.3% · of 1,152 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 1,143 | 99.2% |
| Oklahoma | 5 | 0.4% |
| Missouri | 3 | 0.3% |
| Nebraska | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 919 |
| Manhattan | 19 |
| Kansas City | 6 |
| Topeka | 4 |
| Oklahoma City | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RRQHIHHM9I4K21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 365192 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560062 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Credit Union of America's data.
Credit Union of America's data
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Credit Union of America and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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