Mainstreet Federal Credit Union in Kansas vs the state
21.5%Denial rate+6.47 pts vs state
22.2%Decision denial rate+3.91 pts vs state
59.7%Origination rate-4.17 pts vs state
8.00%Median rate+1.38 pts vs state
0.76Rate spread (pts)+0.46 pts vs state
$100kMedian applicant income
405Loans originated
146Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 706 | 453 | 19.3% | 8.25% | #27 |
| 2024 | 723 | 429 | 24.8% | 8.25% | #29 |
| 2025 | 679 | 405 | 21.5% | 8.00% | #36 |
What Mainstreet Federal Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Mainstreet Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 427 | 263 | 83 | 19.4% |
| Wyandotte County | 114 | 60 | 27 | 23.7% |
| Douglas County | 46 | 27 | 13 | 28.3% |
| Leavenworth County | 45 | 27 | 13 | 28.9% |
| Miami County | 23 | 13 | 5 | 21.7% |
| Franklin County | 12 | 8 | 3 | 25.0% |
| Linn County | 8 | 6 | 1 | 12.5% |
| Shawnee County | 2 | 0 | 1 | 50.0% |
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Crawford County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 679 applications in 2025, of which 405 were originated and 146 denied.
21.5% of all applications, or 22.2% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Mainstreet Federal Credit Union originated in Kansas in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Mainstreet Federal Credit Union's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology