# Wichita Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/wichita-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


Wichita Federal Credit Union is a credit union, headquartered in Wichita, KS, serving borrowers across 2 states, with 82 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007GBJOK22LYB425
- **Headquarters:** Wichita, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, MO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.036%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $687
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 82
- **Dollar Volume:** $14 million
- **Applications Received:** 160
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $165,976
- **Average Borrower Income:** $89,585
- **Average Property Value:** $204,146

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 82 | -0.036% | $687 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 57 loans, Score: 38/100 (Acceptable)
- Refinance: 25 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 57 | $11M | -0.084% | Acceptable 🙂 |
| Refinance | 46/100 | 25 | $3M | +0.118% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 81 | 0.27% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Wichita, KS | KS | 74 | 76/100 |

## Where This Lender Ranks

Wichita Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Wichita, KS for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Wichita, KS Credit Unions
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Kansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#10** in Kansas Credit Unions
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does Wichita Federal Credit Union offer?

Wichita 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 Wichita Federal Credit Union offer mortgages?

Wichita Federal Credit Union offers mortgages in 2 states: KS, MO.

### How competitive are Wichita Federal Credit Union's mortgage rates?

Wichita Federal Credit Union has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.036% below market average.

### What type of lender is Wichita Federal Credit Union?

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

### What is Wichita Federal Credit Union's loan approval success rate?

Wichita Federal Credit Union has a pull-through score of 27/100 (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/wichita-federal-credit-union

### How to Cite

> "Wichita Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wichita-federal-credit-union

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