Applications / Mortgage Analytics / Lenders / Kansas / Mid American Credit Union
Wichita, KS · Credit union · NCUA · $511 million assets · 154 loans in 2025
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154
loans originated, 2025
235
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid American Credit Union, a Wichita lender of small loans, lends more to lower-income borrowers than most similar credit unions, and in 2025 it began lending in three new markets.
Purchases made up 35.7% of its loans and home improvement 31.8%, with refinancing and other purposes making up the rest. Its typical loan was $75,000, against $105,000 at similar lenders, credit unions making between half and twice as many loans. That was smaller than at about four in five of them. Its large share of home-improvement and other-purpose loans is a possible reason.
Borrowers with low and moderate incomes (LMI) took 36.4% of its loans, against 28.6% at similar lenders, more than at about seven in ten. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was lower, 14.3% against 17.3%. The neighborhoods of the markets it serves are a possible reason.
It made 154 loans in 2025, 3% more than the 149 of 2024. Similar lenders grew by 8%. Its growth was near the middle of the group.
In Wichita it ranked 43 of 367 lenders, and its share rose to 0.5% from 0.4%; Peoples Bank and Trust Company led. In 2025 it made its first loans in Oklahoma City, Manhattan and non-metro Oklahoma.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid American Credit Union took 235 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.7% · Home improvement 31.8% · Refinance 16.9% · Other 15.6%
Conventional 100.0% · of 154 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 | 148 | 96.1% |
| Missouri | 4 | 2.6% |
| Oklahoma | 2 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 112 |
| Kansas City | 13 |
| Lawrence | 3 |
| Topeka | 3 |
| Joplin | 1 |
| Manhattan | 1 |
| Oklahoma City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P5F47MW3AQ2048 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 621991 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565378 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Mid American Credit Union's data.
Mid American Credit Union's data
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Mid American Credit Union 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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