Applications / Mortgage Analytics / Lenders / Missouri / Public Safety Credit Union
Kansas City, MO · Credit union · NCUA · $185 million assets · 16 loans in 2025
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16
loans originated, 2025
28
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Public Safety Credit Union, a Kansas City lender that has reported since 1990, now makes only a handful of home loans a year, after a sharp drop in 2024.
It made between 86 and 107 loans a year from 2018 to 2023. In 2024 that fell to 20, and in 2025 to 16. Similar credit unions (those making between half and twice as many loans) fell 10% last year, while the whole market rose 10%. The figures do not show whether it lent less or reported less; that is the question to ask about this record.
Its lending sits in one metro, Kansas City, and a few rural Missouri counties. It has lent in Kansas City since 1990 and ranks 268 of 659 lenders there, with a share too small to register.
Every loan was conventional, without a government guarantee, as at similar credit unions. None was higher-priced (a rate well above the average for similar loans).
With 16 loans, shares for poorer borrowers, poorer neighborhoods, loan size or manufactured homes rest on a few loans each. A single loan moves any of them by several points, so they say little about how the credit union lends. Its record from before 2024, at close to 100 loans a year, is the better guide.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Public Safety Credit Union took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.3% · Refinance 18.8%
Conventional 100.0% · of 16 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 |
|---|---|---|
| Missouri | 13 | 81.2% |
| Kansas | 3 | 18.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q3FASY9ZW0JS02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 682291 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562812 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Public Safety Credit Union's data.
Public Safety Credit Union's data
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Public Safety 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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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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