Main Street Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
42nd11.6% deniedProcesswithdrawn + incomplete share, weight 15%
49th11.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 313 | 263 | 4.2% | 4.6% | — | $80M |
| 2024 | 613 | 500 | 8.7% | 9.4% | — | $87M |
| 2025 | 643 | 490 | 10.3% | 11.6% | — | $129M |
What Main Street Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 15 manufactured homes, 107 investment properties.
Who gets approved at Main Street Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 85 | 53 | 28.4% |
| $50k – $100k | 214 | 154 | 12.7% |
| $100k – $150k | 98 | 71 | 8.3% |
| $150k – $250k | 95 | 77 | 8.2% |
| Over $250k | 48 | 39 | 11.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 39 | 7.1% |
| 25–34 | 131 | 96 | 13.2% |
| 35–44 | 111 | 83 | 15.0% |
| 45–54 | 101 | 71 | 17.6% |
| 55–64 | 85 | 62 | 8.8% |
| 65–74 | 54 | 38 | 9.1% |
| Over 74 | 27 | 21 | 19.2% |
Where Main Street Bank lends
5 states and 38 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 508 | 404 | 9.1% | — | #134 |
| West Virginia | 123 | 80 | 14.6% | — | #88 |
| Pennsylvania | 6 | 2 | 33.3% | — | #752 |
| Florida | 5 | 4 | 0.0% | — | #1,086 |
Frequently asked questions
Main Street Bank denied 11.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 42nd percentile of small mortgage lenders.
In 2025, 37% of its applications were for home purchases, 27% for refinancing (including cash-out), and 37% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.