Applications / Mortgage Analytics / Lenders / Florida / Mainstreet Community Bank of Florida
Deland, FL · State non-member bank · FDIC · $911 million assets · 93 loans in 2025
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93
loans originated, 2025
161
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mainstreet Community Bank of Florida is a purchase lender whose loans run large for its size: its typical loan was $305,000 in 2025, against $175,000 at similar banks.
Its 93 loans matched the 92 made by similar lenders, meaning state non-member banks making between half and twice as many loans. But its typical loan was larger than at nearly nine in ten of them, and it lent $44.1 million, against $26.0 million. Home purchases made up 72.0% of its loans.
It ranks 77 of 639 lenders in Deltona-Daytona Beach-Ormond Beach, with a 0.3% share, unchanged from a year before. Its shares in Orlando-Kissimmee-Sanford and Ocala also held level.
Majority-minority neighborhoods took 21.5% of its loans, against 14.8% a year before and 6.3% at similar banks, higher than about three in four of them. Low- and moderate-income (LMI) borrowers took 19.3%, up from 11.4% but lower than peers' 27.4%; larger loans, which fit higher incomes, are one possible reason.
It made 400 loans in 2020, against 185 and 186 in the two years before, so that year was the exception. Its 93 loans in 2025 fell 8%, while similar banks grew 9% and the whole market 10%. At this size a handful of loans makes that difference, so one year's fall says little.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mainstreet Community Bank of Florida took 161 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.0% · Refinance 19.4% · Other 8.6%
Conventional 100.0% · of 93 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
| State | Loans | Share |
|---|---|---|
| Florida | 78 | 83.9% |
| Georgia | 15 | 16.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Deltona-Daytona Beach-Ormond Beach | 38 |
| Ocala | 21 |
| Orlando-Kissimmee-Sanford | 13 |
| Gainesville | 1 |
| Jacksonville | 1 |
| Naples-Marco Island | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001LOTO6OW0LKT63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3217957 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357598 | 2006–2017 |
Established 24 October 2003. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Mainstreet Community Bank of Florida's data.
Mainstreet Community Bank of Florida's data
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Mainstreet Community Bank of Florida and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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