Mid America Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
65th6.4% deniedProcesswithdrawn + incomplete share, weight 15%
45th12.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 356 | 265 | 9.3% | 10.9% | 8.00% | $60M |
| 2024 | 360 | 277 | 5.3% | 6.4% | 8.19% | $84M |
| 2025 | 450 | 365 | 5.6% | 6.4% | — | $102M |
What Mid America Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 176 investment properties.
Who gets approved at Mid America Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 20 | 4.8% |
| $50k – $100k | 116 | 83 | 15.3% |
| $100k – $150k | 78 | 52 | 13.3% |
| $150k – $250k | 56 | 47 | 2.1% |
| Over $250k | 26 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 26 | 21 | 8.7% |
| 25–34 | 89 | 66 | 5.7% |
| 35–44 | 60 | 43 | 14.0% |
| 45–54 | 64 | 49 | 12.5% |
| 55–64 | 42 | 32 | 5.9% |
Where Mid America Bank lends
3 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 447 | 364 | 5.6% | — | #100 |
Frequently asked questions
Mid America Bank denied 6.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 65th percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 23% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.