Main Street Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Main Street Bank 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Main Street Bank 31780 Telegraph Road, Suite 100 Bingham Farms, MI 48025 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 1,613 |
| Total Mortgage Loan Application Amount | $382,125,000 |
| Average Mortgage Loan Application Amount | $224,600 |
| Highest Mortgage Loan Application Amount | $3,105,000 |
| Average Applicant Income | $134,400 |
| Highest Applicant Income | $1,480,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Main Street Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Main Street Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Main Street Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Main Street Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Main Street Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Main Street Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oakland County Michigan | 755 | $ 213,625,000 | $ 282,000 | $ 147,000 |
| Macomb County Michigan | 406 | $ 71,810,000 | $ 176,000 | $ 80,000 |
| Wayne County Michigan | 201 | $ 35,445,000 | $ 176,000 | $ 94,000 |
| St. Clair County Michigan | 30 | $ 5,760,000 | $ 192,000 | $ 73,000 |
| Lapeer County Michigan | 22 | $ 6,170,000 | $ 280,000 | $ 110,000 |
| Livingston County Michigan | 22 | $ 5,370,000 | $ 244,000 | $ 121,000 |
| Washtenaw County Michigan | 15 | $ 4,005,000 | $ 267,000 | $ 150,000 |
| Genesee County Michigan | 12 | $ 2,100,000 | $ 175,000 | $ 84,000 |
| Midland County Michigan | 12 | $ 2,040,000 | $ 170,000 | $ 96,000 |
| Sanilac County Michigan | 6 | $ 1,760,000 | $ 293,000 | $ 92,000 |
| Bay County Michigan | 5 | $ 865,000 | $ 173,000 | $ 89,000 |
| Emmet County Michigan | 5 | $ 1,925,000 | $ 385,000 | $ 455,000 |
| Gladwin County Michigan | 5 | $ 815,000 | $ 163,000 | $ 77,000 |
| Saginaw County Michigan | 5 | $ 1,095,000 | $ 219,000 | $ 82,000 |
| Eaton County Michigan | 4 | $ 560,000 | $ 140,000 | $ 66,000 |
| Iosco County Michigan | 4 | $ 480,000 | $ 120,000 | $ 169,000 |
| Kent County Michigan | 4 | $ 850,000 | $ 212,000 | $ 104,000 |
| Hamilton County Indiana | 3 | $ 805,000 | $ 268,000 | $ 99,000 |
| Antrim County Michigan | 3 | $ 585,000 | $ 195,000 | $ 170,000 |
| Arenac County Michigan | 3 | $ 455,000 | $ 151,000 | $ 82,000 |
| Berrien County Michigan | 3 | $ 315,000 | $ 105,000 | $ 81,000 |
| Grand Traverse County Michigan | 3 | $ 1,005,000 | $ 335,000 | $ 206,000 |
| Sarasota County Florida | 2 | $ 710,000 | $ 355,000 | $ 186,000 |
| Charlevoix County Michigan | 2 | $ 340,000 | $ 170,000 | $ 223,000 |
| Crawford County Michigan | 2 | $ 580,000 | $ 290,000 | $ 252,000 |
| Ingham County Michigan | 2 | $ 550,000 | $ 275,000 | $ 157,000 |
| Leelanau County Michigan | 2 | $ 580,000 | $ 290,000 | $ 69,000 |
| Monroe County Michigan | 2 | $ 270,000 | $ 135,000 | $ 54,000 |
| Ogemaw County Michigan | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Otsego County Michigan | 2 | $ 350,000 | $ 175,000 | $ 74,000 |
| Roscommon County Michigan | 2 | $ 320,000 | $ 160,000 | $ 94,000 |
| Tuscola County Michigan | 2 | $ 270,000 | $ 135,000 | $ 130,000 |
| Missoula County Montana | 2 | $ 970,000 | $ 485,000 | $ 246,000 |
| Mecklenburg County North Carolina | 2 | $ 850,000 | $ 425,000 | $ 239,000 |
| Wake County North Carolina | 2 | $ 380,000 | $ 190,000 | $ 53,000 |
| Franklin County Ohio | 2 | $ 740,000 | $ 370,000 | $ 150,000 |
| Shelby County Tennessee | 2 | $ 820,000 | $ 410,000 | $ 200,000 |
| Winston County Alabama | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Maricopa County Arizona | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Fresno County California | 1 | $ 325,000 | $ 325,000 | $ 186,000 |
| San Bernardino County California | 1 | $ 225,000 | $ 225,000 | $ 151,000 |
| San Diego County California | 1 | $ 3,105,000 | $ 3,105,000 | $ 0 |
| Collier County Florida | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Hillsborough County Florida | 1 | $ 375,000 | $ 375,000 | $ 190,000 |
| Lee County Florida | 1 | $ 275,000 | $ 275,000 | $ 113,000 |
| Marion County Florida | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Martin County Florida | 1 | $ 175,000 | $ 175,000 | $ 231,000 |
| Osceola County Florida | 1 | $ 405,000 | $ 405,000 | $ 684,000 |
| Palm Beach County Florida | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Coweta County Georgia | 1 | $ 325,000 | $ 325,000 | $ 153,000 |
| Forsyth County Georgia | 1 | $ 325,000 | $ 325,000 | $ 131,000 |
| Champaign County Illinois | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Cook County Illinois | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| St. Joseph County Indiana | 1 | $ 75,000 | $ 75,000 | $ 69,000 |
| Leavenworth County Kansas | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Christian County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Fayette County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Norfolk County Massachusetts | 1 | $ 435,000 | $ 435,000 | $ 186,000 |
| Alcona County Michigan | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Allegan County Michigan | 1 | $ 275,000 | $ 275,000 | $ 183,000 |
| Alpena County Michigan | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Barry County Michigan | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Clinton County Michigan | 1 | $ 255,000 | $ 255,000 | $ 163,000 |
| Huron County Michigan | 1 | $ 235,000 | $ 235,000 | $ 230,000 |
| Ionia County Michigan | 1 | $ 345,000 | $ 345,000 | $ 294,000 |
| Isabella County Michigan | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Kalamazoo County Michigan | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Lake County Michigan | 1 | $ 145,000 | $ 145,000 | $ 135,000 |
| Lenawee County Michigan | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Mecosta County Michigan | 1 | $ 145,000 | $ 145,000 | $ 164,000 |
| Oceana County Michigan | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Ottawa County Michigan | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
| Wexford County Michigan | 1 | $ 235,000 | $ 235,000 | $ 122,000 |
| Clay County Missouri | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Rockingham County New Hampshire | 1 | $ 305,000 | $ 305,000 | $ 166,000 |
| Catawba County North Carolina | 1 | $ 445,000 | $ 445,000 | $ 165,000 |
| Guilford County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 196,000 |
| Rockingham County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 197,000 |
| Union County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 149,000 |
| Cuyahoga County Ohio | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Delaware County Ohio | 1 | $ 385,000 | $ 385,000 | $ 150,000 |
| Lucas County Ohio | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Medina County Ohio | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Summit County Ohio | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| Monroe County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 80,000 |
| Montgomery County Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 300,000 |
| Greenville County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 82,000 |
| Horry County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| Davidson County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 291,000 |
| Jefferson County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Knox County Tennessee | 1 | $ 605,000 | $ 605,000 | $ 248,000 |
| Salt Lake County Utah | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Main Street Bank in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,059 | $235,085,000 | $221,000 | $3,105,000 | $112,000 | $1,248,000 |
| Refinancing | 348 | $96,690,000 | $277,000 | $1,295,000 | $140,000 | $1,480,000 |
| Cash-out Refinancing | 178 | $44,930,000 | $252,000 | $1,555,000 | $125,000 | $950,000 |
| Other Purpose | 16 | $3,760,000 | $235,000 | $855,000 | $174,000 | $855,000 |
| Home Improvement | 12 | $1,660,000 | $138,000 | $655,000 | $121,000 | $200,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,386 | $334,240,000 | $241,000 | $1,555,000 | $123,000 | $1,480,000 |
| Black or African American | 150 | $23,250,000 | $155,000 | $505,000 | $78,000 | $450,000 |
| Asian | 29 | $8,265,000 | $285,000 | $575,000 | $174,000 | $740,000 |
| Hispanic | 28 | $6,460,000 | $230,000 | $395,000 | $139,000 | $556,000 |
| Not applicable | 9 | $7,985,000 | $887,000 | $3,105,000 | $0 | $0 |
| Not Provided | 9 | $1,615,000 | $179,000 | $475,000 | $110,000 | $294,000 |
| American Indian or Alaskan Native | 2 | $310,000 | $155,000 | $235,000 | $170,000 | $236,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,399 | $347,895,000 | $248,000 | $3,105,000 | $128,000 | $1,480,000 |
| FHA-insured (Federal Housing Administration) | 181 | $26,845,000 | $148,000 | $325,000 | $62,000 | $253,000 |
| VA-guaranteed (Veterans Administration) | 26 | $6,430,000 | $247,000 | $485,000 | $86,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $955,000 | $136,000 | $195,000 | $51,000 | $65,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,347 | $309,975,000 | $230,000 | $1,555,000 | $118,000 | $1,480,000 |
| Application Withdrawn By Applicant | 150 | $41,180,000 | $274,000 | $1,205,000 | $134,000 | $600,000 |
| Application Denied By Financial Institution | 89 | $18,885,000 | $212,000 | $1,295,000 | $95,000 | $623,000 |
| Application Approved But Not Accepted | 16 | $8,960,000 | $560,000 | $3,105,000 | $163,000 | $417,000 |
| File Closed For Incompleteness | 11 | $3,125,000 | $284,000 | $455,000 | $276,000 | $1,248,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,524 | $363,240,000 | $238,000 | $3,105,000 | $121,000 | $1,480,000 |
| Collateral | 26 | $5,430,000 | $208,000 | $1,125,000 | $98,000 | $467,000 |
| Debt-To-Income Ratio | 20 | $4,500,000 | $225,000 | $415,000 | $84,000 | $232,000 |
| Credit History | 13 | $2,465,000 | $189,000 | $495,000 | $97,000 | $321,000 |
| Credit Application Incomplete | 8 | $1,270,000 | $158,000 | $345,000 | $79,000 | $164,000 |
| Unverifiable Information | 7 | $1,265,000 | $180,000 | $325,000 | $80,000 | $146,000 |
| Employment History | 6 | $950,000 | $158,000 | $365,000 | $58,000 | $124,000 |
| Other | 5 | $1,245,000 | $249,000 | $455,000 | $108,000 | $224,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,760,000 | $440,000 | $1,295,000 | $206,000 | $623,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Main Street Bank's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Main Street Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.