# MAINSTREET FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/mainstreet-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

MAINSTREET FEDERAL CREDIT UNION is a credit union, headquartered in Lenexa, KS, serving borrowers across 2 states, with 91 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 68% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300UFWBQTD1W41E26
- **Headquarters:** Lenexa, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, MO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.3%
- **Brokered/Wholesale:** 0.7%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.027%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,074
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 91
- **Dollar Volume:** $23 million
- **Applications Received:** 148
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $253,462
- **Average Borrower Income:** $121,604

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 90 | -0.031% | $1,056 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 62 loans, Score: 30/100 (Acceptable)
- Refinance: 28 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 62 | $18M | -0.036% | Acceptable 🙂 |
| Refinance | 40/100 | 29 | $5M | -0.007% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 71 | 0.24% | 73/100 |
| MO | 20 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 69 | 68/100 |

## Frequently Asked Questions

### What loan types does MAINSTREET FEDERAL CREDIT UNION offer?

MAINSTREET FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MAINSTREET FEDERAL CREDIT UNION offer mortgages?

MAINSTREET FEDERAL CREDIT UNION offers mortgages in 2 states: KS, MO.

### How competitive are MAINSTREET FEDERAL CREDIT UNION's mortgage rates?

MAINSTREET FEDERAL CREDIT UNION has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.027% below market average.

### What type of lender is MAINSTREET FEDERAL CREDIT UNION?

MAINSTREET FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lenexa, KS.

### What is MAINSTREET FEDERAL CREDIT UNION's loan approval success rate?

MAINSTREET FEDERAL CREDIT UNION has a pull-through score of 32/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/mainstreet-federal-credit-union

### How to Cite

> "MAINSTREET FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mainstreet-federal-credit-union

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