Mainstreet Federal Credit Union in Missouri vs the state
24.3%Denial rate+9.23 pts vs state
25.0%Decision denial rate+6.30 pts vs state
55.1%Origination rate-7.52 pts vs state
7.50%Median rate+0.88 pts vs state
0.77Rate spread (pts)+0.42 pts vs state
$109kMedian applicant income
59Loans originated
26Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 88 | 20.8% | 8.25% | #202 |
| 2024 | 133 | 69 | 32.3% | 8.00% | #212 |
| 2025 | 107 | 59 | 24.3% | 7.50% | #260 |
What Mainstreet Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Mainstreet Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 46 | 19 | 15 | 32.6% |
| Clay County | 27 | 17 | 6 | 22.2% |
| Platte County | 16 | 11 | 3 | 18.8% |
| Cass County | 10 | 5 | 2 | 20.0% |
| Ray County | 2 | 2 | 0 | 0.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Camden County | 1 | 1 | 0 | 0.0% |
| St. Clair County | 1 | 0 | 0 | 0.0% |
| Bates County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 107 applications in 2025, of which 59 were originated and 26 denied.
24.3% of all applications, or 25.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Mainstreet Federal Credit Union originated in Missouri in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Mainstreet Federal Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology