Applications / Mortgage Analytics / Lenders / Kansas / Meritrust Federal Credit Union
Wichita, KS · Credit union · NCUA · $2.2 billion assets · 852 loans in 2025
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852
loans originated, 2025
1,087
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Meritrust Federal Credit Union is a Kansas lender, fourth in Wichita, whose 852 loans in 2025 split almost evenly between home purchases and refinances, and whose lending fell while similar lenders grew.
It made 852 loans in 2025 against 911 in 2024, while credit unions making between half and twice as many loans grew 8% and the whole market 10%. Its busiest recent year was 2020, with 1,774 loans, when its typical rate was 3.25% against 6.75% now; it is now close to its 2018 level of 881.
In Wichita, its largest market, it ranks 4 of 367 lenders behind Peoples Bank and Trust Company, Rocket Mortgage and Capitol Federal Savings Bank. Its share fell 1.2 points, from 5.3% to 4.1%. Its own lower volume is one possible reason; faster growth by other lenders there is another.
26.3% of its loans were in low- and moderate-income (LMI) census tracts, against 15.1% for similar lenders, higher than nearly all of them, and up from 17.9% in 2024. Its shares to LMI borrowers (30.0%) and in majority-minority tracts (16.3%) are somewhat above those lenders' 27.7% and 10.4%.
It turned down 1.7% of first-lien home-purchase applications, against 6.3% for similar lenders, lower than about nine in ten of them. Its typical rate of 6.75% is a little lower than their 7.00%, and all its loans were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Meritrust Federal Credit Union took 1,087 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.7% · Refinance 49.3%
Conventional 100.0% · of 852 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 | 852 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 758 |
| Lawrence | 13 |
| Kansas City | 11 |
| Manhattan | 8 |
| Topeka | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O0SJ54M4D70R54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 372695 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563283 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Meritrust Federal Credit Union's data.
Meritrust Federal Credit Union's data
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