Applications / Mortgage Analytics / Lenders / Kansas / Quantum Credit Union
Wichita, KS · Credit union · NCUA · $137 million assets · 77 loans in 2025
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77
loans originated, 2025
101
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Quantum Credit Union, a Wichita credit union, makes two in five of its loans in poorer neighborhoods, a larger share than nearly all similar lenders.
Low- and moderate-income (LMI) neighborhoods took 40.8% of its loans in 2025, against 17.4% at a typical similar lender (credit unions making between half and twice as many loans). That is higher than at more than nineteen in twenty of them. LMI borrowers took 46.4%, against 30.5%. In 2020 the neighborhood share was only 9.7%; its 2022 merger with another credit union may account for part of the change.
Refinances made up 42.9% of its lending, home-improvement loans 28.6% and other-purpose loans 19.5%. Purchases were only 9.1%. Its typical loan was $85,000, against $95,000 at similar lenders, and every loan was conventional.
Loans rose 5% to 77, close to the 7% at similar lenders. They have stayed between 71 and 77 a year since 2022. It filed no report for 2021, a gap in the record rather than a year without lending. Its merged partner's filings count in the competition figures.
All 9 of its counties are in Kansas. In Wichita it ranked 93 of 367 lenders, with 0.2% of lending, unchanged from 2024. Peoples Bank and Trust Company leads that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Quantum Credit Union took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.9% · Home improvement 28.6% · Other 19.5% · Purchase 9.1%
Conventional 100.0% · of 77 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 | 77 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HQPLN40YTRSL84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 91893 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567187 | 1991–2017 |
Established 1 January 1938. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Quantum Credit Union's data.
Quantum Credit Union's data
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Quantum 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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