Lender profile · HMDA 2023–2025
Main Street Bank mortgage approval rates & lending data
Main Street Bank decided 729 mortgage applications and funded 625 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 258 / 271 | 99% | $505K | 255 |
| Home improvement loans | 76% | 130 / 171 | 97% | $105K | 126 |
| Cash-out refinance | 80% | 40 / 50 | 98% | $275K | 39 |
| Refinance | 83% | 88 / 106 | 99% | $205K | 87 |
| Investment property purchase | 95% | 75 / 79 | 99% | $335K | 74 |
| Investment home improvement | 79% | 30 / 38 | 100% | $175K | 30 |
Main Street Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 87% | $335K | 701 | 602 |
| New Hampshire | 78% | $285K | 23 | 18 |
| Maine | 100% | $305K | 3 | 3 |
| New York | 100% | $735K | 1 | 1 |
| Rhode Island | 100% | $85K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.