Applications / Mortgage Analytics / Lenders / Kansas / Mainstreet Federal Credit Union
Lenexa, KS · Credit union · NCUA · $674 million assets · 464 loans in 2025
Mainstreet Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
464
loans originated, 2025
830
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mainstreet Federal Credit Union mostly makes small loans for home improvement and other purposes, and more of them go to borrowers of modest means than at most similar lenders.
Other-purpose loans were 40.9% of its lending and home improvement 32.5%. Its typical loan of $75,000 was lower than at more than nine in ten similar lenders (credit unions making between half and twice as many loans). Its typical rate, 7.75%, was higher than peers' 6.99%, which small, other-purpose loans may explain. None of its loans was higher-priced (a rate well above the average for similar loans).
Its loans fell 7% to 464, while similar lenders grew 6%. It made 676 loans in 2021 and fewer in each year since.
Low- and moderate-income (LMI) borrowers took 31.3% of its loans, against 27.3% at similar lenders, more than at about two-thirds of them. LMI areas took 19.4%, against 15.4%.
In Kansas City, its largest market, where it has lent since 1993, its share held at 0.3%, ranking 66 of 659. In Lawrence it rose 0.1 points to 0.5%, ranking 39 of 222.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mainstreet Federal Credit Union took 830 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.9% · Home improvement 32.5% · Purchase 14.7% · Refinance 11.9%
Conventional 100.0% · of 464 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 405 | 87.3% |
| Missouri | 59 | 12.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kansas City | 425 |
| Lawrence | 27 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UFWBQTD1W41E26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 12898 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561332 | 1993–2014 |
| Respondent ID (the HMDA filer code before 2018) | 524858 | 2015–2017 |
Established 1 January 1953. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Mainstreet Federal Credit Union's data.
Mainstreet Federal Credit Union's data
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Mainstreet Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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