Applications / Mortgage Analytics / Lenders / Nebraska / Kellogg Midwest Federal Credit Union
Lavista, NE · Credit union · NCUA · $54.9 million assets · 27 loans in 2025
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27
loans originated, 2025
44
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kellogg Midwest Federal Credit Union, a Nebraska credit union that has reported since 1995, now makes only a few dozen loans a year, mostly refinances and small loans for home improvement and other purposes.
It made 27 loans in 2025, down from 33 a year earlier and from 66 in 2021. Similar lenders, credit unions making between half and twice as many loans, shrank by 4% at the middle, while the whole market grew 10%. Its own fall of 18% was steeper than at about two-thirds of them. Its typical rate was 7.25% in 2025, against 3.31% five years earlier, and a lender doing mostly refinances may simply see fewer members with a reason to refinance.
Refinances made up 55.6% of its lending; home improvement and other purposes made up the rest. Every loan was conventional, with no government backing. Its typical loan, $75,000, was smaller than the $95,000 typical of similar lenders, which fits a book weighted toward home-improvement and other small loans.
With so few loans, its shares of lending to particular borrowers and neighborhoods swing from year to year. A loan or two either way moves them by several points, so they are too small to read much into.
Omaha is its main market. It has lent there since 1995 and ranked 170 of 417 lenders in 2025, a market led by JPMorgan Chase Bank. It also lends in non-metro Nebraska, across 6 counties in all.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kellogg Midwest Federal Credit Union took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.6% · Other 25.9% · Home improvement 18.5%
Conventional 100.0% · of 27 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 |
|---|---|---|
| Nebraska | 25 | 92.6% |
| Iowa | 2 | 7.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Omaha | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VHITS0GXJRXV39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 581871 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55286 | 1995–2017 |
Established 1 January 1946. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Kellogg Midwest Federal Credit Union's data.
Kellogg Midwest Federal Credit Union's data
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Kellogg Midwest Federal 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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