# KANSAS STATE UNIVERSITY Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/kansas-state-university-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


KANSAS STATE UNIVERSITY Federal Credit Union is a credit union, headquartered in Manhattan, KS, serving borrowers across 2 states, with 26 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 55% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 74% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007700FZNYYEHT38
- **Headquarters:** Manhattan, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, MO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.2%
- **Brokered/Wholesale:** 1.8%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.129%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,665
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 26
- **Dollar Volume:** $5 million
- **Applications Received:** 55
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $193,077
- **Average Borrower Income:** $104,615
- **Average Property Value:** $270,769

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 25 | +0.135% | $1,692 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 18 | $3M | +0.077% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 25 | 0.08% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Manhattan, KS | KS | 23 | 69/100 |

## Where This Lender Ranks

KANSAS STATE UNIVERSITY Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Manhattan, KS
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders)
- 🏆 **#19** in Manhattan, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/manhattan-ks/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does KANSAS STATE UNIVERSITY Federal Credit Union offer?

KANSAS STATE UNIVERSITY Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KANSAS STATE UNIVERSITY Federal Credit Union offer mortgages?

KANSAS STATE UNIVERSITY Federal Credit Union offers mortgages in 2 states: KS, MO.

### How competitive are KANSAS STATE UNIVERSITY Federal Credit Union's mortgage rates?

KANSAS STATE UNIVERSITY Federal Credit Union has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.129% above market average.

### What type of lender is KANSAS STATE UNIVERSITY Federal Credit Union?

KANSAS STATE UNIVERSITY Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Manhattan, KS.

### What is KANSAS STATE UNIVERSITY Federal Credit Union's loan approval success rate?

KANSAS STATE UNIVERSITY Federal Credit Union has a pull-through score of 26/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/kansas-state-university-federal-credit-union

### How to Cite

> "KANSAS STATE UNIVERSITY Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kansas-state-university-federal-credit-union

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