MAINSTREET FEDERAL CREDIT UNION
MAINSTREET FEDERAL CREDIT UNION received 786 applications in 2025 and made 464 mortgages, in 21 counties across 2 states. The median rate its borrowers got was 7.750% on a median loan of $75,000. Of 762 decisions, 172 were denials — 22.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300UFWBQTD1W41E26 |
|---|---|
| Applications received | 786 |
| Mortgages made | 464 |
| Denied | 172 |
| Approved, not taken up | 126 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.76 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 | 68 | 6.500% | $260,000 | 0.0% |
| Refinancing | 41 | 7.750% | $85,000 | 12.3% |
| Cash-out refinancing | 14 | 6.000% | $190,000 | 13.6% |
| Other purposes | 341 | 8.000% | $65,000 | 26.9% |
Where MAINSTREET FEDERAL CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, KS | 263 | 8.000% | 20.0% |
| Wyandotte County, KS | 60 | 7.750% | 25.0% |
| Douglas County, KS | 27 | 8.000% | 28.3% |
| Leavenworth County, KS | 27 | 7.500% | 29.5% |
| Jackson County, MO | 19 | 7.500% | 34.1% |
| Clay County, MO | 17 | 8.000% | 22.2% |
| Miami County, KS | 13 | 8.000% | 23.8% |
| Platte County, MO | 11 | 7.500% | 20.0% |
| Franklin County, KS | 8 | Under 10 loans | 25.0% |
| Linn County, KS | 6 | Under 10 loans | 12.5% |
| Cass County, MO | 5 | Under 10 loans | 20.0% |
| Ray County, MO | 2 | Under 10 loans | 0.0% |
| Crawford County, KS | 1 | Under 10 loans | 0.0% |
| Bates County, MO | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Clinton County, MO | 1 | Under 10 loans | 0.0% |
| Henry County, MO | 1 | Under 10 loans | 0.0% |
| Polk County, MO | 1 | Under 10 loans | 0.0% |
| Jefferson County, KS | 0 | Under 10 loans | 0.0% |
| Shawnee County, KS | 0 | Under 10 loans | 50.0% |
| St. Clair County, MO | 0 | Under 10 loans | 0.0% |
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When MAINSTREET FEDERAL 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.