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 A 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%
97th0.2% deniedPricingmedian rate spread over APOR, weight 30%
49th0.28 ptsProcesswithdrawn + incomplete share, weight 15%
70th7.3%Closing coststotal loan costs ÷ loan amount, weight 10%
85th0.99% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 491 | 455 | 0.6% | 0.7% | 7.75% | $114M |
| 2024 | 569 | 533 | 0.0% | 0.0% | 7.50% | $139M |
| 2025 | 615 | 568 | 0.2% | 0.2% | 7.13% | $164M |
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, 7 manufactured homes, 209 investment properties.
Why Mid-America Bank denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
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 | 22 | 22 | 0.0% |
| $50k – $100k | 128 | 121 | 0.0% |
| $100k – $150k | 107 | 96 | 1.0% |
| $150k – $250k | 136 | 126 | 0.0% |
| Over $250k | 96 | 87 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 24 | 23 | 0.0% |
| 25–34 | 95 | 85 | 1.2% |
| 35–44 | 132 | 126 | 0.0% |
| 45–54 | 110 | 102 | 0.0% |
| 55–64 | 72 | 67 | 0.0% |
| 65–74 | 42 | 39 | 0.0% |
| Over 74 | 21 | 15 | 0.0% |
Where Mid-America Bank lends
10 states and 45 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Mid-America Bank denied 0.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The most common reason Mid-America Bank gave in 2025 was "employment history", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Mid-America Bank originated in 2025 was 7.13%, and its median rate spread over the average prime offer rate was 0.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 28% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.