Empeople Credit Union in Kansas vs the state
22.9%Denial rate+7.89 pts vs state
30.1%Decision denial rate+11.86 pts vs state
52.1%Origination rate-11.74 pts vs state
6.49%Median rate-0.13 pts vs state
-0.30Rate spread (pts)-0.60 pts vs state
$116kMedian applicant income
50Loans originated
22Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 123 | 79 | 13.8% | 6.88% | #122 |
| 2024 | 93 | 55 | 17.2% | 6.63% | #159 |
| 2025 | 96 | 50 | 22.9% | 6.49% | #172 |
What Empeople Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 24 | 17 | 3 | 12.5% |
| Montgomery County | 13 | 7 | 3 | 23.1% |
| Sedgwick County | 5 | 4 | 1 | 20.0% |
| Finney County | 5 | 1 | 4 | 80.0% |
| Wyandotte County | 4 | 1 | 0 | 0.0% |
| Shawnee County | 3 | 3 | 0 | 0.0% |
| Crawford County | 3 | 1 | 1 | 33.3% |
| Thomas County | 3 | 1 | 1 | 33.3% |
| Grant County | 2 | 2 | 0 | 0.0% |
| Kearny County | 2 | 0 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 96 applications in 2025, of which 50 were originated and 22 denied.
22.9% of all applications, or 30.1% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Empeople Credit Union originated in Kansas in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople Credit Union's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology