Mainstreet Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020

Mainstreet Federal Credit Union 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Mainstreet Federal Credit Union
13001 W 95Th Street
Lenexa, KS 66215
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 1,094
Total Mortgage Loan Application Amount $136,580,000
Average Mortgage Loan Application Amount $117,600
Highest Mortgage Loan Application Amount $515,000
Average Applicant Income $101,600
Highest Applicant Income $3,984,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Mainstreet Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mainstreet Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2020 breaks down Mainstreet Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mainstreet Federal Credit Union serves its applicants.

Each category highlights the total number of mortgage applications processed by Mainstreet Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mainstreet Federal Credit Union's mortgage activity for 2020.

Mortgage Loan Application Totals for Mainstreet Federal Credit Union by Metropolitan Area in 2020

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
KANSAS CITY, MO-KS 900 $ 105,340,000 $ 116,000 $ 106,000
LAWRENCE, KS 48 $ 6,010,000 $ 125,000 $ 104,000
NA (OUTSIDE OF MSA/MD) 10 $ 540,000 $ 36,500 $ 56,000
TOPEKA, KS 4 $ 530,000 $ 132,000 $ 121,000

Mortgage Loan Application Detail Totals for Mainstreet Federal Credit Union in 2020

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 304 $38,190,000 $125,000 $415,000 $122,000 $2,880,000
Home Purchase 265 $50,325,000 $189,000 $515,000 $92,000 $3,984,000
Home Improvement 180 $6,950,000 $38,000 $405,000 $104,000 $360,000
Cash-out Refinancing 175 $31,325,000 $179,000 $455,000 $104,000 $455,000
Other Purpose 170 $9,790,000 $57,000 $375,000 $86,000 $611,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 871 $109,575,000 $125,000 $515,000 $104,000 $3,984,000
Not Provided 77 $8,065,000 $104,000 $335,000 $133,000 $2,880,000
Black or African American 71 $9,135,000 $128,000 $415,000 $87,000 $450,000
Hispanic 51 $5,805,000 $113,000 $335,000 $64,000 $177,000
Asian 19 $3,045,000 $160,000 $455,000 $129,000 $428,000
American Indian or Alaskan Native 2 $490,000 $245,000 $255,000 $133,000 $177,000
Native Hawaiian or Other Pacific Islander 1 $155,000 $155,000 $155,000 $14,000 $14,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,089 $135,795,000 $124,000 $515,000 $103,000 $3,984,000
VA-guaranteed (Veterans Administration) 3 $525,000 $175,000 $205,000 $48,000 $55,000
FHA-insured (Federal Housing Administration) 2 $260,000 $130,000 $135,000 $244,000 $457,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 592 $72,770,000 $122,000 $475,000 $105,000 $428,000
Application Denied By Financial Institution 183 $12,365,000 $67,000 $405,000 $79,000 $611,000
Application Withdrawn By Applicant 98 $16,720,000 $170,000 $415,000 $190,000 $3,984,000
Preapproval Approved but not Accepted 97 $19,145,000 $197,000 $515,000 $82,000 $457,000
Application Approved But Not Accepted 50 $2,870,000 $57,000 $255,000 $104,000 $264,000
File Closed For Incompleteness 47 $7,855,000 $167,000 $415,000 $74,000 $260,000
Preapproval Denied by Financial Institution 27 $4,855,000 $179,000 $355,000 $49,000 $110,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 884 $119,360,000 $135,000 $515,000 $110,000 $3,984,000
Credit History 79 $7,535,000 $95,000 $375,000 $59,000 $295,000
Debt-To-Income Ratio 57 $4,895,000 $85,000 $355,000 $60,000 $179,000
Other 33 $2,185,000 $66,000 $235,000 $95,000 $505,000
Collateral 31 $1,715,000 $55,000 $405,000 $124,000 $611,000
Credit Application Incomplete 5 $265,000 $53,000 $135,000 $88,000 $144,000
Employment History 3 $225,000 $75,000 $95,000 $50,000 $67,000
Insufficient Cash (Downpayment, Closing Cost) 2 $400,000 $200,000 $225,000 $61,000 $75,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mainstreet Federal Credit Union's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Mainstreet Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kansas, download the full spreadsheet with aggregated HMDA statistics today.

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