Mainstreet Community Bank of Florida mortgage approval rate & lending review
Mainstreet Community Bank of Florida decided 300 mortgage applications and funded 219 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mainstreet Community Bank of Florida reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mainstreet Community Bank of Florida at a glance
Approval is 9.8 points below the 83.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 77% | 137 / 179 | 99% | $305K | 135 |
| Cash-out refinance | 48% | 16 / 33 | 100% | $215K | 16 |
| Investment property purchase | 89% | 49 / 55 | 100% | $245K | 49 |
Mainstreet Community Bank of Florida lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 74% | $305K | 298 | 217 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mainstreet Community Bank of Florida lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Volusia County, FL | Investment property purchase | 93% | 30 | 28 |
The county markets where Mainstreet Community Bank of Florida made the most loans. Each link opens that market with every lender ranked.
Questions about Mainstreet Community Bank of Florida
What is Mainstreet Community Bank of Florida's mortgage approval rate?
Mainstreet Community Bank of Florida approved 74.0% of the 300 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.8 points below the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Mainstreet Community Bank of Florida offers?
Borrowers accepted 99% of the loans Mainstreet Community Bank of Florida approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mainstreet Community Bank of Florida make?
The typical home purchase mortgage loan Mainstreet Community Bank of Florida made was $305K; across all loan types its typical loan ran from $215K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mainstreet Community Bank of Florida lend?
Mainstreet Community Bank of Florida decided applications in 3 of the states Fat Boy Data covers, most of them in Florida, Georgia and North Carolina.
Can I apply to Mainstreet Community Bank of Florida directly?
Yes. Mainstreet Community Bank of Florida is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mainstreet Community Bank of Florida's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mainstreet Community Bank of Florida treats applications, then get a rate quote from the lender.