Main Street Financial Mortgage Lending & HMDA Data, 2010
In 2010, Main Street Financial of Indianapolis, IN reported 2,103 mortgage applications totaling $312.6 million. The average application was for $148,633, and applicants reported an average income of $70,251. 48% of its applications resulted in an originated loan and 50% were denied. Its largest markets were Indianapolis-Carmel, IN (495), Davenport-Moline-Rock Island, IA-IL (235) and Tulsa, OK (146) (applications in parentheses).
| Mortgage Company & Address | Main Street Financial 9953 Crosspoint Blvd. Indianapolis, IN 46256 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 |
| Total Number of Mortgage Applications | 2,103 |
| Total Mortgage Loan Application Amount | $312,577,000 |
| Average Mortgage Loan Application Amount | $148,633 |
| Highest Mortgage Loan Application Amount | $892,000 |
| Average Applicant Income | $70,251 |
| Highest Applicant Income | $900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Main Street Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Indianapolis-Carmel, IN | 495 | $ 94,285,000 | $ 190,474 | $ 102,000 |
| Davenport-Moline-Rock Island, IA-IL | 235 | $ 24,929,000 | $ 106,080 | $ 51,161 |
| Tulsa, OK | 146 | $ 21,433,000 | $ 146,801 | $ 70,000 |
| Harrisburg-Carlisle, PA | 101 | $ 15,631,000 | $ 154,762 | $ 56,000 |
| Greensboro-High Point, NC | 89 | $ 12,112,000 | $ 136,089 | $ 63,000 |
| Oklahoma City, OK | 74 | $ 12,096,000 | $ 163,459 | $ 71,000 |
| Kokomo, IN | 52 | $ 4,674,000 | $ 89,884 | $ 51,000 |
| Bloomington, IN | 51 | $ 7,774,000 | $ 152,431 | $ 54,000 |
| Lincoln, NE | 46 | $ 6,888,000 | $ 149,739 | $ 66,000 |
| Savannah, GA | 32 | $ 5,510,000 | $ 172,187 | $ 74,000 |
| Terre Haute, IN | 32 | $ 3,834,000 | $ 119,812 | $ 50,000 |
| Augusta-Richmond County, GA-SC | 23 | $ 5,693,000 | $ 247,521 | $ 98,130 |
| Shreveport-Bossier City, LA | 17 | $ 2,702,000 | $ 158,941 | $ 63,000 |
| Dubuque, IA | 16 | $ 1,806,000 | $ 112,875 | $ 49,000 |
| Gary, IN | 16 | $ 2,582,000 | $ 161,375 | $ 56,000 |
| Charleston-North Charleston-Summerville, SC | 15 | $ 2,473,000 | $ 164,866 | $ 42,000 |
| Montgomery, AL | 15 | $ 2,447,000 | $ 163,133 | $ 55,000 |
| Palm Bay-Melbourne-Titusville, FL | 15 | $ 1,479,000 | $ 98,600 | $ 32,000 |
| Baton Rouge, LA | 13 | $ 3,230,000 | $ 248,461 | $ 111,000 |
| Rockford, IL | 13 | $ 1,517,000 | $ 116,692 | $ 57,000 |
| Anderson, IN | 12 | $ 1,266,000 | $ 105,500 | $ 69,000 |
| Winston-Salem, NC | 12 | $ 1,574,000 | $ 131,166 | $ 63,000 |
| Columbia, SC | 9 | $ 1,812,000 | $ 201,333 | $ 52,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,099,000 | $ 137,375 | $ 73,000 |
| York-Hanover, PA | 8 | $ 1,150,000 | $ 143,750 | $ 56,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 790,000 | $ 131,666 | $ 93,000 |
| Lawton, OK | 6 | $ 843,000 | $ 140,500 | $ 93,000 |
| Cedar Rapids, IA | 5 | $ 712,000 | $ 142,400 | $ 45,000 |
| Chicago-Joliet-Naperville, IL | 5 | $ 888,000 | $ 177,600 | $ 58,000 |
| Iowa City, IA | 5 | $ 635,000 | $ 127,000 | $ 45,000 |
| Lancaster, PA | 5 | $ 885,000 | $ 177,000 | $ 44,000 |
| Lansing-East Lansing, MI | 5 | $ 571,000 | $ 114,200 | $ 53,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 859,000 | $ 171,800 | $ 99,000 |
| Elkhart-Goshen, IN | 4 | $ 391,000 | $ 97,750 | $ 47,000 |
| Fort Smith, AR-OK | 4 | $ 462,000 | $ 115,500 | $ 36,000 |
| Peoria, IL | 4 | $ 238,000 | $ 59,500 | $ 32,000 |
| St. Louis, MO-IL | 4 | $ 326,000 | $ 81,500 | $ 50,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 669,000 | $ 167,250 | $ 62,000 |
| Albuquerque, NM | 3 | $ 707,000 | $ 235,666 | $ 85,000 |
| Bloomington-Normal, IL | 3 | $ 561,000 | $ 187,000 | $ 70,000 |
| Cheyenne, WY | 3 | $ 495,000 | $ 165,000 | $ 58,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 234,000 | $ 78,000 | $ 48,666 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 656,000 | $ 218,666 | $ 88,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 295,000 | $ 98,333 | $ 44,000 |
| Philadelphia, PA | 3 | $ 724,000 | $ 241,333 | $ 71,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 626,000 | $ 208,666 | $ 74,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 279,000 | $ 139,500 | $ 49,000 |
| Flint, MI | 2 | $ 199,000 | $ 99,500 | $ 64,000 |
| Gainesville, GA | 2 | $ 594,000 | $ 297,000 | $ 141,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 457,000 | $ 228,500 | $ 105,000 |
| Holland-Grand Haven, MI | 2 | $ 306,000 | $ 153,000 | $ 42,000 |
| Jackson, MS | 2 | $ 173,000 | $ 86,500 | $ 55,000 |
| Lafayette, IN | 2 | $ 507,000 | $ 253,500 | $ 274,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 225,000 | $ 112,500 | $ 47,500 |
| Memphis, TN-MS-AR | 2 | $ 349,000 | $ 174,500 | $ 58,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 332,000 | $ 166,000 | $ 96,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 284,000 | $ 142,000 | $ 127,000 |
| Pittsburgh, PA | 2 | $ 214,000 | $ 107,000 | $ 99,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 239,000 | $ 119,500 | $ 92,000 |
| Springfield, IL | 2 | $ 244,000 | $ 122,000 | $ 93,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 832,000 | $ 416,000 | $ 292,000 |
| Alexandria, LA | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Casper, WY | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 122,000 | $ 122,000 | $ 24,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Columbus, IN | 1 | $ 144,000 | $ 144,000 | $ 44,000 |
| Des Moines-West Des Moines, IA | 1 | $ 124,000 | $ 124,000 | $ 41,000 |
| Durham-Chapel Hill, NC | 1 | $ 286,000 | $ 286,000 | $ 145,000 |
| Florence, SC | 1 | $ 79,000 | $ 79,000 | $ 32,000 |
| Fort Wayne, IN | 1 | $ 123,000 | $ 123,000 | $ 61,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 400,000 | $ 400,000 | $ 847,000 |
| Hattiesburg, MS | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Idaho Falls, ID | 1 | $ 102,000 | $ 102,000 | $ 26,000 |
| Janesville, WI | 1 | $ 123,000 | $ 123,000 | $ 80,000 |
| Kansas City, MO-KS | 1 | $ 386,000 | $ 386,000 | $ 119,000 |
| Lafayette, LA | 1 | $ 253,000 | $ 253,000 | $ 132,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 263,000 | $ 263,000 | $ 55,000 |
| Mobile, AL | 1 | $ 61,000 | $ 61,000 | $ 27,000 |
| Muncie, IN | 1 | $ 226,000 | $ 226,000 | $ 139,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Niles-Benton Harbor, MI | 1 | $ 249,000 | $ 249,000 | $ 160,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 116,000 | $ 116,000 | $ 122,000 |
| Pine Bluff, AR | 1 | $ 74,000 | $ 74,000 | $ 24,000 |
| Rocky Mount, NC | 1 | $ 113,000 | $ 113,000 | $ 61,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 338,000 | $ 338,000 | $ 92,000 |
| Santa Fe, NM | 1 | $ 267,000 | $ 267,000 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 138,000 | $ 138,000 | $ 60,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 54,000 | $ 54,000 | $ 0 |
Mortgage Loan Application Detail Totals for Main Street Financial in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,327 | $214,553,000 | $161,000 | $892,000 | $78,000 | $900,000 |
| Home Purchase | 776 | $98,024,000 | $126,000 | $558,000 | $57,000 | $633,000 |
| Home Improvement | 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 | 1,669 | $254,692,000 | $152,000 | $892,000 | $74,000 | $900,000 |
| Not Provided | 178 | $27,523,000 | $154,000 | $582,000 | $59,000 | $847,000 |
| Hispanic | 132 | $13,389,000 | $101,000 | $417,000 | $44,000 | $396,000 |
| Black or African American | 94 | $12,747,000 | $135,000 | $558,000 | $55,000 | $324,000 |
| Asian | 21 | $3,183,000 | $151,000 | $440,000 | $102,000 | $476,000 |
| American Indian or Alaskan Native | 8 | $904,000 | $113,000 | $151,000 | $44,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $139,000 | $139,000 | $139,000 | $0 | $0 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 956 | $114,382,000 | $119,000 | $327,000 | $51,000 | $396,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 951 | $173,308,000 | $182,000 | $892,000 | $94,000 | $900,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 134 | $13,083,000 | $97,000 | $248,000 | $40,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 62 | $11,804,000 | $190,000 | $417,000 | $78,000 | $202,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 1,050 | $143,522,000 | $136,000 | $737,000 | $59,000 | $847,000 |
| Loan Originated | 1,018 | $163,900,000 | $161,000 | $892,000 | $81,000 | $900,000 |
| Application Approved But Not Accepted | 29 | $4,079,000 | $140,000 | $417,000 | $75,000 | $230,000 |
| File Closed For Incompleteness | 5 | $860,000 | $172,000 | $298,000 | $104,000 | $201,000 |
| Application Withdrawn By Applicant | 1 | $216,000 | $216,000 | $216,000 | $115,000 | $115,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 904 | $122,439,000 | $135,000 | $737,000 | $59,000 | $847,000 |
| Collateral | 67 | $10,130,000 | $151,000 | $558,000 | $86,000 | $348,000 |
| Debt-To-Income Ratio | 43 | $5,561,000 | $129,000 | $417,000 | $35,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,548,000 | $159,000 | $289,000 | $70,000 | $159,000 |
| Employment History | 8 | $908,000 | $113,000 | $190,000 | $36,000 | $60,000 |
| Credit Application Incomplete | 8 | $1,299,000 | $162,000 | $388,000 | $81,000 | $250,000 |
| Unverifiable Information | 4 | $637,000 | $159,000 | $350,000 | $73,000 | $192,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Main Street Financial's 2010 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 Financial'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.
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