Mid America Bank Mortgage Lending & HMDA Data, 2007
In 2007, Mid America Bank of Clarendon Hills, IL reported 6,689 mortgage applications totaling $1.5 billion, down 46% from 2006. The average application was for $231,513, and applicants reported an average income of $83,795. 69% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (5,547), Milwaukee-Waukesha-West Allis, WI (451) and Lake County-Kenosha County, IL-WI (106) (applications in parentheses).
| Mortgage Company & Address | Mid America Bank 55th & Holmes Clarendon Hills, IL 60514 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,689 |
| Total Mortgage Loan Application Amount | $1,548,593,000 |
| Average Mortgage Loan Application Amount | $231,513 |
| Highest Mortgage Loan Application Amount | $18,000,000 |
| Average Applicant Income | $83,795 |
| Highest Applicant Income | $2,252,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid America Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 3,529 | $ 761,550,000 | $ 215,797 | $ 77,000 |
| DuPage, Illinois | 923 | $ 233,932,000 | $ 253,447 | $ 94,000 |
| Will, Illinois | 535 | $ 116,945,000 | $ 218,588 | $ 91,000 |
| Kane, Illinois | 380 | $ 104,152,000 | $ 274,084 | $ 95,000 |
| Milwaukee, Wisconsin | 294 | $ 62,287,000 | $ 211,860 | $ 60,000 |
| Jefferson, Illinois | 211 | $ 49,171,000 | $ 233,037 | $ 75,000 |
| Lake, Illinois | 96 | $ 25,671,000 | $ 267,406 | $ 112,000 |
| Waukesha, Wisconsin | 89 | $ 18,026,000 | $ 202,539 | $ 79,000 |
| Kendall, Illinois | 79 | $ 16,225,000 | $ 205,379 | $ 94,000 |
| Washington, Wisconsin | 62 | $ 10,910,000 | $ 175,967 | $ 74,000 |
| McHenry, Illinois | 52 | $ 8,709,000 | $ 167,480 | $ 88,000 |
| DeKalb, Illinois | 39 | $ 6,321,000 | $ 162,076 | $ 78,000 |
| Walworth, Wisconsin | 26 | $ 6,422,000 | $ 247,000 | $ 106,000 |
| Lake, Indiana | 25 | $ 4,196,000 | $ 167,840 | $ 62,000 |
| Racine, Wisconsin | 24 | $ 6,457,000 | $ 269,041 | $ 130,000 |
| Boone, Illinois | 11 | $ 3,753,000 | $ 341,181 | $ 64,000 |
| Dane, Wisconsin | 11 | $ 16,918,000 | $ 1,538,000 | $ 102,000 |
| Monroe, Wisconsin | 11 | $ 3,515,000 | $ 319,545 | $ 180,000 |
| Grundy, Illinois | 10 | $ 1,587,000 | $ 158,700 | $ 74,000 |
| El Paso, Texas | 10 | $ 1,124,000 | $ 112,400 | $ 368,000 |
| Brown, Wisconsin | 10 | $ 11,125,000 | $ 1,112,500 | $ 133,000 |
| Kenosha, Wisconsin | 10 | $ 2,729,000 | $ 272,900 | $ 136,000 |
| Maricopa, Arizona | 9 | $ 3,462,000 | $ 384,666 | $ 63,000 |
| Winnebago, Illinois | 9 | $ 2,797,000 | $ 310,777 | $ 58,000 |
| Fond du Lac, Wisconsin | 7 | $ 1,013,000 | $ 144,714 | $ 42,000 |
| Sheboygan, Wisconsin | 7 | $ 2,768,000 | $ 395,428 | $ 46,000 |
| Lee, Florida | 6 | $ 2,118,000 | $ 353,000 | $ 230,000 |
| Pinellas, Florida | 6 | $ 868,000 | $ 144,666 | $ 40,000 |
| Ogle, Illinois | 6 | $ 674,000 | $ 112,333 | $ 42,000 |
| Jefferson, Wisconsin | 6 | $ 2,363,000 | $ 393,833 | $ 25,000 |
| Ozaukee, Wisconsin | 6 | $ 851,000 | $ 141,833 | $ 379,000 |
| Sarasota, Florida | 5 | $ 914,000 | $ 182,800 | $ 64,000 |
| Clark, Nevada | 5 | $ 1,907,000 | $ 381,400 | $ 322,000 |
| Boulder, Colorado | 4 | $ 1,295,000 | $ 323,750 | $ 107,000 |
| Broward, Florida | 4 | $ 1,335,000 | $ 333,750 | $ 55,000 |
| Collier, Florida | 4 | $ 1,834,000 | $ 458,500 | $ 130,000 |
| Jo Daviess, Illinois | 4 | $ 2,659,000 | $ 664,750 | $ 215,000 |
| LaSalle, Illinois | 4 | $ 1,133,000 | $ 283,250 | $ 14,000 |
| Marion, Indiana | 4 | $ 517,000 | $ 129,250 | $ 78,000 |
| Adams, Wisconsin | 4 | $ 546,000 | $ 136,500 | $ 142,000 |
| Door, Wisconsin | 4 | $ 911,000 | $ 227,750 | $ 346,000 |
| Waupaca, Wisconsin | 4 | $ 376,000 | $ 94,000 | $ 111,000 |
| Winnebago, Wisconsin | 4 | $ 778,000 | $ 194,500 | $ 27,000 |
| Kankakee, Illinois | 3 | $ 1,161,000 | $ 387,000 | $ 35,000 |
| Johnson, Indiana | 3 | $ 290,000 | $ 96,666 | $ 45,000 |
| Porter, Indiana | 3 | $ 763,000 | $ 254,333 | $ 120,000 |
| Dodge, Wisconsin | 3 | $ 192,000 | $ 64,000 | $ 60,000 |
| Marinette, Wisconsin | 3 | $ 175,000 | $ 58,333 | $ 29,000 |
| Rock, Wisconsin | 3 | $ 5,963,000 | $ 1,987,666 | $ 0 |
| Vilas, Wisconsin | 3 | $ 620,000 | $ 206,666 | $ 109,000 |
| Pinal, Arizona | 2 | $ 719,000 | $ 359,500 | $ 72,000 |
| Alameda, California | 2 | $ 630,000 | $ 315,000 | $ 163,000 |
| Eagle, Colorado | 2 | $ 975,000 | $ 487,500 | $ 123,000 |
| Brevard, Florida | 2 | $ 281,000 | $ 140,500 | $ 76,000 |
| Orange, Florida | 2 | $ 885,000 | $ 442,500 | $ 41,000 |
| De Witt, Illinois | 2 | $ 123,000 | $ 61,500 | $ 23,000 |
| McLean, Illinois | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| Peoria, Illinois | 2 | $ 130,000 | $ 65,000 | $ 34,000 |
| Putnam, Illinois | 2 | $ 265,000 | $ 132,500 | $ 23,000 |
| LaPorte, Indiana | 2 | $ 580,000 | $ 290,000 | $ 67,000 |
| Starke, Indiana | 2 | $ 206,000 | $ 103,000 | $ 53,000 |
| Berrien, Michigan | 2 | $ 502,000 | $ 251,000 | $ 249,000 |
| Van Buren, Michigan | 2 | $ 593,000 | $ 296,500 | $ 197,000 |
| Stark, Ohio | 2 | $ 385,000 | $ 192,500 | $ 159,000 |
| Warren, Ohio | 2 | $ 751,000 | $ 375,500 | $ 292,000 |
| Washington, Oregon | 2 | $ 460,000 | $ 230,000 | $ 175,000 |
| Travis, Texas | 2 | $ 275,000 | $ 137,500 | $ 71,000 |
| King, Washington | 2 | $ 948,000 | $ 474,000 | $ 136,000 |
| Juneau, Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 194,000 |
| Lincoln, Wisconsin | 2 | $ 244,000 | $ 122,000 | $ 23,000 |
| Marathon, Wisconsin | 2 | $ 1,906,000 | $ 953,000 | $ 32,000 |
| Wood, Wisconsin | 2 | $ 2,071,000 | $ 1,035,500 | $ 0 |
| Baldwin, Alabama | 1 | $ 136,000 | $ 136,000 | $ 57,000 |
| Saline, Arkansas | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| San Bernardino, California | 1 | $ 322,000 | $ 322,000 | $ 0 |
| Douglas, Colorado | 1 | $ 353,000 | $ 353,000 | $ 123,000 |
| El Paso, Colorado | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Larimer, Colorado | 1 | $ 414,000 | $ 414,000 | $ 185,000 |
| District of Columbia, District Of Columbia | 1 | $ 468,000 | $ 468,000 | $ 264,000 |
| Bay, Florida | 1 | $ 417,000 | $ 417,000 | $ 437,000 |
| Charlotte, Florida | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Flagler, Florida | 1 | $ 504,000 | $ 504,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 246,000 | $ 246,000 | $ 127,000 |
| Manatee, Florida | 1 | $ 303,000 | $ 303,000 | $ 66,000 |
| Marion, Florida | 1 | $ 95,000 | $ 95,000 | $ 117,000 |
| Monroe, Florida | 1 | $ 698,000 | $ 698,000 | $ 314,000 |
| Palm Beach, Florida | 1 | $ 115,000 | $ 115,000 | $ 117,000 |
| Polk, Florida | 1 | $ 160,000 | $ 160,000 | $ 92,000 |
| Hawaii, Hawaii | 1 | $ 3,750,000 | $ 3,750,000 | $ 1,082,000 |
| Kauai, Hawaii | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Champaign, Illinois | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Effingham, Illinois | 1 | $ 200,000 | $ 200,000 | $ 224,000 |
| Knox, Illinois | 1 | $ 50,000 | $ 50,000 | $ 104,000 |
| Lee, Illinois | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Livingston, Illinois | 1 | $ 62,000 | $ 62,000 | $ 29,000 |
| Marshall, Illinois | 1 | $ 300,000 | $ 300,000 | $ 213,000 |
| Rock Island, Illinois | 1 | $ 160,000 | $ 160,000 | $ 68,000 |
| Sangamon, Illinois | 1 | $ 148,000 | $ 148,000 | $ 96,000 |
| St. Clair, Illinois | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Vermilion, Illinois | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Whiteside, Illinois | 1 | $ 22,000 | $ 22,000 | $ 24,000 |
| Williamson, Illinois | 1 | $ 73,000 | $ 73,000 | $ 63,000 |
| Allen, Indiana | 1 | $ 74,000 | $ 74,000 | $ 48,000 |
| Elkhart, Indiana | 1 | $ 98,000 | $ 98,000 | $ 59,000 |
| Sedgwick, Kansas | 1 | $ 46,000 | $ 46,000 | $ 33,000 |
| St. Tammany, Louisiana | 1 | $ 384,000 | $ 384,000 | $ 500,000 |
| Benzie, Michigan | 1 | $ 220,000 | $ 220,000 | $ 143,000 |
| Cass, Michigan | 1 | $ 212,000 | $ 212,000 | $ 161,000 |
| Delta, Michigan | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Kalamazoo, Michigan | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Winston, Mississippi | 1 | $ 39,000 | $ 39,000 | $ 57,000 |
| Pettis, Missouri | 1 | $ 132,000 | $ 132,000 | $ 126,000 |
| Pulaski, Missouri | 1 | $ 144,000 | $ 144,000 | $ 50,000 |
| St. Louis City, Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Missoula, Montana | 1 | $ 169,000 | $ 169,000 | $ 191,000 |
| Bergen, New Jersey | 1 | $ 347,000 | $ 347,000 | $ 140,000 |
| Bernalillo, New Mexico | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Forsyth, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 330,000 |
| Henderson, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 202,000 | $ 202,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 75,000 | $ 75,000 | $ 184,000 |
| Blair, Pennsylvania | 1 | $ 114,000 | $ 114,000 | $ 114,000 |
| Berkeley, South Carolina | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Rutherford, Tennessee | 1 | $ 168,000 | $ 168,000 | $ 145,000 |
| Shelby, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Brazoria, Texas | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Utah, Utah | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Weber, Utah | 1 | $ 158,000 | $ 158,000 | $ 139,000 |
| Loudoun, Virginia | 1 | $ 220,000 | $ 220,000 | $ 172,000 |
| Calumet, Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 66,000 |
| Clark, Wisconsin | 1 | $ 14,000 | $ 14,000 | $ 106,000 |
| Columbia, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Eau Claire, Wisconsin | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Iron, Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 186,000 |
| Kewaunee, Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 177,000 |
| Manitowoc, Wisconsin | 1 | $ 3,320,000 | $ 3,320,000 | $ 0 |
| Marquette, Wisconsin | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Oconto, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 208,000 |
| Oneida, Wisconsin | 1 | $ 387,000 | $ 387,000 | $ 40,000 |
| Outagamie, Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 446,000 |
| Portage, Wisconsin | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| Sauk, Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 150,000 |
| Shawano, Wisconsin | 1 | $ 17,000 | $ 17,000 | $ 63,000 |
| St. Croix, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Waushara, Wisconsin | 1 | $ 180,000 | $ 180,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Mid America Bank in 2007
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,251 | $805,662,000 | $247,000 | $14,770,000 | $89,000 | $2,252,000 |
| Refinancing | 3,051 | $678,325,000 | $222,000 | $18,000,000 | $80,000 | $1,664,000 |
| Home Improvement | 387 | $64,606,000 | $166,000 | $2,416,000 | $70,000 | $680,000 |
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 | 4,553 | $1,037,055,000 | $227,000 | $3,750,000 | $93,000 | $2,252,000 |
| Hispanic | 1,117 | $212,105,000 | $189,000 | $2,281,000 | $57,000 | $1,224,000 |
| Not Provided | 370 | $58,060,000 | $156,000 | $1,695,000 | $86,000 | $577,000 |
| Black or African American | 294 | $51,334,000 | $174,000 | $1,385,000 | $67,000 | $286,000 |
| Not applicable | 193 | $142,119,000 | $736,000 | $18,000,000 | $28,000 | $1,491,000 |
| Asian | 148 | $44,478,000 | $300,000 | $2,060,000 | $89,000 | $684,000 |
| American Indian or Alaskan Native | 10 | $2,284,000 | $228,000 | $500,000 | $110,000 | $546,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,158,000 | $289,000 | $417,000 | $115,000 | $162,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 6,422 | $1,500,943,000 | $233,000 | $18,000,000 | $85,000 | $2,252,000 |
| FHA-insured (Federal Housing Administration) | 251 | $44,090,000 | $175,000 | $289,000 | $59,000 | $233,000 |
| VA-guaranteed (Veterans Administration) | 16 | $3,560,000 | $222,000 | $400,000 | $85,000 | $245,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 4,610 | $1,062,450,000 | $230,000 | $18,000,000 | $84,000 | $2,252,000 |
| Application Approved But Not Accepted | 752 | $187,536,000 | $249,000 | $2,925,000 | $98,000 | $1,664,000 |
| Application Denied By Financial Institution | 701 | $148,861,000 | $212,000 | $3,000,000 | $79,000 | $1,632,000 |
| Application Withdrawn By Applicant | 274 | $74,737,000 | $272,000 | $2,235,000 | $74,000 | $529,000 |
| Preapproval Denied by Financial Institution | 212 | $49,299,000 | $232,000 | $2,887,000 | $74,000 | $2,142,000 |
| Loan Purchased By The Institution | 70 | $10,481,000 | $149,000 | $375,000 | $55,000 | $172,000 |
| File Closed For Incompleteness | 70 | $15,229,000 | $217,000 | $820,000 | $74,000 | $284,000 |
| Preapproval Approved but not Accepted | 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 | 302 | $56,047,000 | $185,000 | $1,100,000 | $69,000 | $446,000 |
| Debt-To-Income Ratio | 216 | $51,285,000 | $237,000 | $3,000,000 | $63,000 | $1,333,000 |
| Collateral | 176 | $38,554,000 | $219,000 | $2,855,000 | $116,000 | $2,142,000 |
| Unverifiable Information | 81 | $19,789,000 | $244,000 | $1,104,000 | $70,000 | $507,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 48 | $12,038,000 | $250,000 | $1,500,000 | $86,000 | $536,000 |
| Employment History | 40 | $7,007,000 | $175,000 | $368,000 | $61,000 | $204,000 |
| Other | 39 | $9,664,000 | $247,000 | $1,695,000 | $98,000 | $362,000 |
| Credit Application Incomplete | 7 | $3,022,000 | $431,000 | $995,000 | $44,000 | $125,000 |
| Mortgage Insurance Denied | 4 | $754,000 | $188,000 | $250,000 | $42,000 | $74,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid America Bank's 2007 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 Mid America Bank'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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