MID AMERICAN CREDIT UNION
MID AMERICAN CREDIT UNION received 235 applications in 2025 and made 154 mortgages, in 33 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $75,000. Of 184 decisions, 30 were denials — 16.3%, most often for credit history.
| Legal Entity Identifier | 549300P5F47MW3AQ2048 |
|---|---|
| Applications received | 235 |
| Mortgages made | 154 |
| Denied | 30 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 51 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.754 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 55 | 6.500% | $215,000 | 17.9% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 25 | 7.990% | $55,000 | 13.8% |
| Other purposes | 73 | 7.990% | $55,000 | 16.1% |
Where MID AMERICAN CREDIT UNION lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sedgwick County, KS | 103 | 7.000% | 14.9% |
| Cowley County, KS | 11 | 9.000% | 21.4% |
| Johnson County, KS | 8 | Under 10 loans | 0.0% |
| Butler County, KS | 5 | Under 10 loans | 37.5% |
| Pawnee County, KS | 4 | Under 10 loans | 0.0% |
| Douglas County, KS | 3 | Under 10 loans | 0.0% |
| Harvey County, KS | 3 | Under 10 loans | 0.0% |
| Jackson County, MO | 3 | Under 10 loans | 0.0% |
| Reno County, KS | 2 | Under 10 loans | 0.0% |
| Cherokee County, KS | 1 | Under 10 loans | 0.0% |
| Franklin County, KS | 1 | Under 10 loans | 0.0% |
| Jackson County, KS | 1 | Under 10 loans | 0.0% |
| Osage County, KS | 1 | Under 10 loans | 0.0% |
| Pottawatomie County, KS | 1 | Under 10 loans | 0.0% |
| Pratt County, KS | 1 | Under 10 loans | 0.0% |
| Shawnee County, KS | 1 | Under 10 loans | 0.0% |
| Sumner County, KS | 1 | Under 10 loans | 50.0% |
| Wyandotte County, KS | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
| Kay County, OK | 1 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 0 | Under 10 loans | Not published |
| Barber County, KS | 0 | Under 10 loans | Not published |
| Jefferson County, KS | 0 | Under 10 loans | Not published |
| Kingman County, KS | 0 | Under 10 loans | Not published |
| McPherson County, KS | 0 | Under 10 loans | 100.0% |
| Marion County, KS | 0 | Under 10 loans | Not published |
| Neosho County, KS | 0 | Under 10 loans | Not published |
| Rawlins County, KS | 0 | Under 10 loans | 100.0% |
| Woodson County, KS | 0 | Under 10 loans | 100.0% |
| Buchanan County, MO | 0 | Under 10 loans | Not published |
| Clay County, MO | 0 | Under 10 loans | Not published |
| Johnson County, MO | 0 | Under 10 loans | 100.0% |
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When MID AMERICAN CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.