Big tickets
Its 63 loans were close to the 69 made by similar lenders, meaning state member banks making between half and twice as many loans. But it lent $82.3 million, against their $21.7 million. Home purchases made up 77.8% of its loans.
Applications / Mortgage Analytics / Lenders / Virginia / MainStreet Bank
MainStreet Bank
Fairfax, VA · State member bank · FRS · $2.2 billion assets · 63 loans in 2025
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63
loans originated, 2025
89
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MainStreet Bank makes few mortgages but large ones: its typical loan was $1.2 million in 2025, against $175,000 at similar banks.
Few modest earners
None of its loans went to low- and moderate-income (LMI) borrowers, against 25.8% at similar banks, and poorer neighborhoods (LMI tracts) took 4.8%, against 17.7%. Loans of $1.2 million rarely fit the incomes that define LMI, which could account for both. Whether borrower incomes are recorded on these loans at all is a fair question.
Minority neighborhoods
Majority-minority neighborhoods took 23.8% of its loans, against 6.9% at similar banks, higher than about four in five of them. Its largest market is Washington-Arlington-Alexandria, which may explain much of that.
Fewer loans, new places
Its loans have fallen from 180 in 2018 to 63, and fell 10% in 2025 while similar banks grew 8%. The figures do not say why; the bank may have chosen to concentrate on fewer, larger loans. It entered Staunton-Stuarts Draft in 2025, taking 0.3% of that market, and its Winchester share rose from 0.0% to 0.2%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
63 loans in 2025, against a peak of 180 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MainStreet Bank took 89 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
77.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 77.8% · Refinance 12.7% · Home improvement 9.5%
Conventional 100.0% · of 63 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
4 states, 7 metros, 14 counties
| State | Loans | Share |
|---|---|---|
| Virginia | 45 | 71.4% |
| District of Columbia | 10 | 15.9% |
| Maryland | 7 | 11.1% |
| Florida | 1 | 1.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 43 |
| Washington | 15 |
| Baltimore-Columbia-Towson | 1 |
| Frederick-Gaithersburg-Bethesda | 1 |
| Miami-Miami Beach-Kendall | 1 |
| Staunton-Stuarts Draft | 1 |
| Winchester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SOAE0WU8JM0177 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3248849 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 23248849 | 2005–2017 |
Established 26 May 2004. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: MainStreet Bank's data.
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