Mainstreet Federal Credit Union mortgage approval rate & lending review
Mainstreet Federal Credit Union decided 1,206 mortgage applications and funded 799 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mainstreet Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mainstreet Federal Credit Union at a glance
Approval is 11.4 points above the 69.4% 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 | 99% | 180 / 182 | 89% | $275K | 160 |
| Home improvement loans | 76% | 547 / 720 | 79% | $55K | 434 |
| Cash-out refinance | 80% | 53 / 66 | 92% | $185K | 49 |
| Refinance | 82% | 166 / 203 | 77% | $65K | 127 |
Mainstreet Federal Credit Union lending by state
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 Mainstreet Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Johnson County, KS | Home improvement loans | 80% | 473 | 302 |
| Johnson County, KS | Refinance | 84% | 141 | 91 |
| Johnson County, KS | Mortgage lenders | 99% | 97 | 84 |
| Wyandotte County, KS | Home improvement loans | 73% | 113 | 65 |
| Johnson County, KS | Cash-out refinance | 84% | 45 | 35 |
| Jackson County, MO | Home improvement loans | 60% | 58 | 24 |
| Wyandotte County, KS | Refinance | 83% | 35 | 22 |
| Douglas County, KS | Home improvement loans | 68% | 31 | 14 |
The county markets where Mainstreet Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mainstreet Federal Credit Union
What is Mainstreet Federal Credit Union's mortgage approval rate?
Mainstreet Federal Credit Union approved 80.8% of the 1,206 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.4 points above the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Mainstreet Federal Credit Union offers?
Borrowers accepted 82% of the loans Mainstreet Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mainstreet Federal Credit Union make?
The typical home improvement loan loan Mainstreet Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mainstreet Federal Credit Union lend?
Mainstreet Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Kansas and Missouri.
Can I apply to Mainstreet Federal Credit Union directly?
Yes. Mainstreet Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mainstreet 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 Mainstreet Federal Credit Union treats applications, then get a rate quote from the lender.