Applications / Mortgage Analytics / Lenders / Kansas / Wichita Federal Credit Union
Wichita, KS · Credit union · NCUA · $269 million assets · 195 loans in 2025
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195
loans originated, 2025
327
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wichita Federal Credit Union grew faster than nearly nine in ten similar credit unions in 2025, and it lends more than most of them in poorer neighborhoods.
Its loans rose 55% to 195, faster than nearly nine in ten similar lenders, meaning credit unions making between half and twice as many loans. Those lenders grew 7%, and the whole market 10%. Refinances made up 68.7% of its loans and home purchases the rest. Its typical loan, $105,000, matched its peers'.
Some 28.2% of its loans went to low- and moderate-income (LMI) neighborhoods, against 16.9% at similar lenders; that is higher than nine in ten of them. Its share of loans to LMI borrowers, 35.8%, is also above its peers' 27.9%. And 20.5% of its loans went to majority-minority neighborhoods, against 11.0% at its peers.
In Wichita, where it has lent since 2001, its share rose from 0.5% to 0.7%, and it ranks 30 of 367 lenders. Peoples Bank and Trust Company leads that market with $172.7M of loans. Beyond Wichita it reaches Manhattan, Kansas City and rural Kansas and Oklahoma, but only with a sprinkling of loans. Its count is well below the 326 it made in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wichita Federal Credit Union took 327 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 68.7% · Purchase 31.3%
Conventional 100.0% · of 195 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 | 193 | 99.0% |
| Oklahoma | 2 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wichita | 181 |
| Manhattan | 2 |
| Kansas City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007GBJOK22LYB425 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 436878 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53907 | 2001–2017 |
Established 1 January 1940. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Wichita Federal Credit Union's data.
Wichita Federal Credit Union's data
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Wichita 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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