Wichita Federal Credit Union mortgage approval rate & lending review
Wichita Federal Credit Union decided 606 mortgage applications and funded 410 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wichita Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wichita Federal Credit Union at a glance
Approval is 5.9 points above the 76.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 185 / 211 | 75% | $165K | 138 |
| Cash-out refinance | 82% | 225 / 275 | 91% | $65K | 205 |
| Refinance | 75% | 74 / 99 | 78% | $65K | 58 |
Wichita Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 83% | $65K | 606 | 410 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Wichita Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Cash-out refinance | 82% | 275 | 205 |
| Sedgwick County, KS | Mortgage lenders | 88% | 211 | 138 |
| Sedgwick County, KS | Refinance | 74% | 98 | 58 |
The county markets where Wichita Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Wichita Federal Credit Union
What is Wichita Federal Credit Union's mortgage approval rate?
Wichita Federal Credit Union approved 82.7% of the 606 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.9 points above the 76.8% national rate for the same mix of loan types.
How often do borrowers take the loan Wichita Federal Credit Union offers?
Borrowers accepted 82% of the loans Wichita Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wichita Federal Credit Union make?
The typical cash-out refinance loan Wichita Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wichita Federal Credit Union lend?
Wichita Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Kansas.
Can I apply to Wichita Federal Credit Union directly?
Yes. Wichita Federal Credit Union is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wichita Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Wichita Federal Credit Union treats applications, then get a rate quote from the lender.