Applications / Mortgage Analytics / Lenders / Missouri / United Consumers Credit Union
Independence, MO · Credit union · NCUA · $212 million assets · 32 loans in 2025
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32
loans originated, 2025
87
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Consumers Credit Union, of Independence, Missouri, reappeared in the mortgage records in 2025 with 32 loans, after making 4 in 2023 and recording none in 2024.
It made 131 loans in 2020 and 75 in 2021, then 32 in 2022, 4 in 2023 and none recorded in 2024. In 2025 it made 32 again. Similar lenders, meaning credit unions making between half and twice as many loans, made 37 at the middle of the group. The data do not say why it stepped back or why it returned.
Its loans were all purchases (65.6%) or refinances (34.4%). Its typical loan, $175,000, was far above the $95,000 at similar lenders, higher than at about four in five of them. One possible reason is its mix: it made no home-improvement or other-purpose loans, which tend to be smaller.
It lends in 9 counties across 2 states. In Kansas City, where it has lent since 1992, it ranks 244 of 659. In St. Joseph its share rose from 0.0% to 0.2%, ranking it 88 of 186.
Of its loans, 62.5% went to low- and moderate-income borrowers and 50.0% to homes in low- and moderate-income neighborhoods, both higher than at nearly all similar lenders. On 32 loans, though, a few borrowers move these shares a long way, so they say little yet about a lasting pattern.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Consumers Credit Union took 87 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.6% · Refinance 34.4%
Conventional 100.0% · of 32 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 | 30 | 93.8% |
| Kansas | 2 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 28 |
| St. Joseph | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D5WZYDJFZQJ463 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 286073 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568410 | 2000–2017 |
Established 1 January 1941. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: United Consumers Credit Union's data.
United Consumers Credit Union's data
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United Consumers 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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