Wichita Federal Credit Union in Kansas vs the state
17.6%Denial rate+2.56 pts vs state
19.3%Decision denial rate+0.98 pts vs state
59.6%Origination rate-4.25 pts vs state
7.50%Median rate+0.88 pts vs state
1.16Rate spread (pts)+0.86 pts vs state
$86kMedian applicant income
193Loans originated
57Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 296 | 164 | 12.5% | 8.00% | #71 |
| 2024 | 232 | 124 | 15.1% | 7.63% | #84 |
| 2025 | 324 | 193 | 17.6% | 7.50% | #78 |
What Wichita Federal Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Wichita Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sedgwick County | 273 | 166 | 45 | 16.5% |
| Butler County | 12 | 6 | 2 | 16.7% |
| Reno County | 10 | 3 | 4 | 40.0% |
| Sumner County | 8 | 5 | 1 | 12.5% |
| Harvey County | 5 | 4 | 1 | 20.0% |
| Cowley County | 4 | 2 | 2 | 50.0% |
| Kingman County | 3 | 2 | 0 | 0.0% |
| Riley County | 2 | 1 | 0 | 0.0% |
| Greenwood County | 2 | 0 | 2 | 100.0% |
| Saline County | 2 | 2 | 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: 324 applications in 2025, of which 193 were originated and 57 denied.
17.6% of all applications, or 19.3% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Wichita Federal Credit Union originated in Kansas in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Wichita Federal 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