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Main Street Bank Corp

Wooster, OH

Main Street Bank Corp processed 613 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 500 loans with a 8.7% denial rate. Other was the primary loan purpose. Based in Wooster, OH. The approval rate of 81.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Main Street Bank Corp processed 613 HMDA-reported mortgage applications in 2024, originating 500 loans and denying 53 for a denial rate of 8.7% (applicants themselves withdrew 45 files before a decision). The average loan amount was $176,680. The lender reports under LEI 549300WLYZ63QPFTDP84 from Wooster, OH.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Main Street Bank Corp's 81.6% origination rate tells you how often an application turned into funded money; the 8.7% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (613 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

613
Applications
500
Originated
8.7%
Denial Rate
$176,680
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 613 500 53 $176,680

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Main Street Bank Corp (LEI: 549300WLYZ63QPFTDP84) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 235 203 $124,489
Home Purchase 209 157 $238,828
Cash-out Refinancing 124 104 $161,613
Home Improvement 28 23 $176,786
Refinancing 17 13 $243,824

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 454 81.5% 9.0%
Asian 3 66.7% 33.3%
Black or African American 2 0.0% 50.0%
Joint 2 100.0% 0.0%
American Indian or Alaska Native 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 450 81.6% 9.3%
Joint 1 100.0% 0.0%

Nearby Lenders in OH

Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.

US BANK, N.A.

CINCINNATI, OH

202,480 apps 74,512 originated 26.8% denied

CROSSCOUNTRY MORTGAGE, LLC

Cleveland, OH

157,258 apps 101,894 originated 2.4% denied

JPMorgan Chase Bank, NA

Columbus, OH

150,113 apps 80,744 originated 8.1% denied

Huntington National Bank

Columbus, OH

99,675 apps 52,025 originated 28.8% denied

Fifth Third Bank, National Association

Cincinnati, OH

64,220 apps 30,494 originated 23.9% denied
Compare Main Street Bank Corp vs US BANK, N.A. →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Main Street Bank Corp process?
Main Street Bank Corp processed 613 mortgage applications in the 2023 HMDA reporting year. Of these, 500 were originated (approved and funded), 45 were withdrawn by the applicant, and 53 were denied.
What is Main Street Bank Corp's mortgage approval rate?
Main Street Bank Corp has an approval (origination) rate of 81.6%, meaning 81.6% of all applications resulted in a funded mortgage. The denial rate is 8.7%.
What is the average loan amount at Main Street Bank Corp?
The average mortgage loan amount at Main Street Bank Corp is $176,680.
What types of mortgage loans does Main Street Bank Corp offer?
Main Street Bank Corp processes Conventional loans. The most common type is Conventional with 613 applications and an average loan amount of $176,680.
What loan purposes does Main Street Bank Corp serve?
Main Street Bank Corp serves the following loan purposes: Other (235 applications), Home Purchase (209 applications), Cash-out Refinancing (124 applications), Home Improvement (28 applications), Refinancing (17 applications). Other is the most common purpose.
Where is Main Street Bank Corp located?
Main Street Bank Corp is headquartered in Wooster, OH. The lender is identified by LEI 549300WLYZ63QPFTDP84 in HMDA data.
How does Main Street Bank Corp compare in lending across racial demographics?
Main Street Bank Corp reports demographic lending data under HMDA requirements. White applicants have an approval rate of 81.5% and denial rate of 9.0%; Asian applicants have an approval rate of 66.7% and denial rate of 33.3%; Black or African American applicants have an approval rate of 0.0% and denial rate of 50.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.