Mainstreet Community Bank of Florida at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F 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%
9th28.6% deniedProcesswithdrawn + incomplete share, weight 15%
27th17.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 142 | 89 | 19.7% | 23.7% | — | $27M |
| 2024 | 159 | 101 | 18.9% | 22.7% | — | $40M |
| 2025 | 161 | 93 | 23.6% | 28.6% | — | $44M |
What Mainstreet Community Bank of Florida 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, 1 manufactured homes, 17 investment properties.
Who gets approved at Mainstreet Community Bank of Florida
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 40 | 24 | 29.4% |
| $100k – $150k | 36 | 18 | 30.8% |
| $150k – $250k | 37 | 23 | 25.0% |
| Over $250k | 30 | 18 | 20.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 22 | 24.1% |
| 35–44 | 35 | 20 | 22.2% |
| 45–54 | 30 | 14 | 41.7% |
| 55–64 | 31 | 16 | 32.0% |
Where Mainstreet Community Bank of Florida lends
2 states and 17 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Mainstreet Community Bank of Florida denied 28.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of small mortgage lenders.
In 2025, 66% of its applications were for home purchases, 21% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 1% 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.