Mid America Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Mid America Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 19,715 |
| Total Mortgage Loan Application Amount | $3,339,261,000 |
| Average Mortgage Loan Application Amount | $224,096 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $117,322 |
| Highest Applicant Income | $4,415,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Mid America Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mid America Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Mid America Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mid America Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Mid America Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mid America Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 9,141 | $ 1,614,023,000 | $ 176,000 | $ 64,000 |
| DuPage County Illinois | 3,016 | $ 571,801,000 | $ 189,000 | $ 73,000 |
| Will County Illinois | 1,745 | $ 287,730,000 | $ 164,000 | $ 63,000 |
| Milwaukee County Wisconsin | 1,126 | $ 97,075,000 | $ 86,000 | $ 47,000 |
| Kane County Illinois | 860 | $ 155,487,000 | $ 180,000 | $ 65,000 |
| Waukesha County Wisconsin | 568 | $ 72,384,000 | $ 127,000 | $ 63,000 |
| Lake County Illinois | 333 | $ 62,627,000 | $ 188,000 | $ 76,000 |
| Kendall County Illinois | 258 | $ 41,738,000 | $ 161,000 | $ 73,000 |
| Dane County Wisconsin | 197 | $ 33,755,000 | $ 171,000 | $ 73,000 |
| McHenry County Illinois | 188 | $ 29,753,000 | $ 158,000 | $ 63,000 |
| Washington County Wisconsin | 181 | $ 28,881,000 | $ 159,000 | $ 63,000 |
| Racine County Wisconsin | 85 | $ 8,818,000 | $ 103,000 | $ 53,000 |
| Walworth County Wisconsin | 73 | $ 12,807,000 | $ 175,000 | $ 67,000 |
| DeKalb County Illinois | 66 | $ 8,799,000 | $ 133,000 | $ 59,000 |
| Ozaukee County Wisconsin | 52 | $ 7,185,000 | $ 138,000 | $ 87,000 |
| Lake County Indiana | 33 | $ 4,102,000 | $ 124,000 | $ 58,000 |
| Kenosha County Wisconsin | 30 | $ 4,270,000 | $ 142,000 | $ 95,000 |
| LaSalle County Illinois | 27 | $ 3,198,000 | $ 118,000 | $ 73,000 |
| Maricopa County Arizona | 25 | $ 6,778,000 | $ 271,000 | $ 335,000 |
| Jefferson County Wisconsin | 25 | $ 3,401,000 | $ 136,000 | $ 62,000 |
| Brown County Wisconsin | 24 | $ 1,235,000 | $ 51,000 | $ 53,000 |
| Boone County Illinois | 23 | $ 3,647,000 | $ 158,000 | $ 61,000 |
| Pinellas County Florida | 18 | $ 2,498,000 | $ 138,000 | $ 22,000 |
| Rock County Wisconsin | 18 | $ 561,000 | $ 31,000 | $ 39,000 |
| Dodge County Wisconsin | 17 | $ 1,939,000 | $ 114,000 | $ 98,000 |
| Fond du Lac County Wisconsin | 15 | $ 1,276,000 | $ 85,000 | $ 51,000 |
| Columbia County Wisconsin | 14 | $ 850,000 | $ 60,000 | $ 86,000 |
| Berrien County Michigan | 13 | $ 2,440,000 | $ 187,000 | $ 99,000 |
| Sheboygan County Wisconsin | 12 | $ 1,533,000 | $ 127,000 | $ 64,000 |
| Collier County Florida | 11 | $ 6,182,000 | $ 562,000 | $ 196,000 |
| Winnebago County Wisconsin | 11 | $ 589,000 | $ 53,000 | $ 62,000 |
| Broward County Florida | 9 | $ 2,707,000 | $ 300,000 | $ 39,000 |
| Grundy County Illinois | 9 | $ 980,000 | $ 108,000 | $ 40,000 |
| Kankakee County Illinois | 9 | $ 1,136,000 | $ 126,000 | $ 60,000 |
| Winnebago County Illinois | 9 | $ 716,000 | $ 79,000 | $ 68,000 |
| Ogle County Illinois | 8 | $ 774,000 | $ 96,000 | $ 37,000 |
| Clark County Nevada | 8 | $ 2,703,000 | $ 337,000 | $ 154,000 |
| Marathon County Wisconsin | 8 | $ 341,000 | $ 42,000 | $ 66,000 |
| Outagamie County Wisconsin | 8 | $ 341,000 | $ 42,000 | $ 69,000 |
| Lee County Florida | 7 | $ 1,937,000 | $ 276,000 | $ 137,000 |
| Sarasota County Florida | 7 | $ 3,228,000 | $ 461,000 | $ 165,000 |
| Porter County Indiana | 7 | $ 1,089,000 | $ 155,000 | $ 74,000 |
| Sauk County Wisconsin | 7 | $ 194,000 | $ 27,000 | $ 26,000 |
| Riverside County California | 6 | $ 1,330,000 | $ 221,000 | $ 88,000 |
| Jo Daviess County Illinois | 6 | $ 800,000 | $ 133,000 | $ 32,000 |
| Wayne County Michigan | 6 | $ 1,248,000 | $ 208,000 | $ 119,000 |
| Manatee County Florida | 5 | $ 2,730,000 | $ 546,000 | $ 234,000 |
| Douglas County Nebraska | 5 | $ 498,000 | $ 99,000 | $ 92,000 |
| Adams County Wisconsin | 5 | $ 305,000 | $ 61,000 | $ 65,000 |
| Oconto County Wisconsin | 5 | $ 343,000 | $ 68,000 | $ 111,000 |
| Waupaca County Wisconsin | 5 | $ 179,000 | $ 35,000 | $ 31,000 |
| Baldwin County Alabama | 4 | $ 478,000 | $ 119,000 | $ 74,000 |
| San Diego County California | 4 | $ 2,739,000 | $ 684,000 | $ 46,000 |
| Miami-Dade County Florida | 4 | $ 2,282,000 | $ 570,000 | $ 632,000 |
| Tazewell County Illinois | 4 | $ 182,000 | $ 45,000 | $ 40,000 |
| Door County Wisconsin | 4 | $ 1,190,000 | $ 297,000 | $ 107,000 |
| Juneau County Wisconsin | 4 | $ 346,000 | $ 86,000 | $ 18,000 |
| Oneida County Wisconsin | 4 | $ 775,000 | $ 193,000 | $ 80,000 |
| Los Angeles County California | 3 | $ 2,309,000 | $ 769,000 | $ 1,237,000 |
| Eagle County Colorado | 3 | $ 1,746,000 | $ 582,000 | $ 172,000 |
| Summit County Colorado | 3 | $ 1,002,000 | $ 334,000 | $ 42,000 |
| Flagler County Florida | 3 | $ 435,000 | $ 145,000 | $ 38,000 |
| Hillsborough County Florida | 3 | $ 652,000 | $ 217,000 | $ 38,000 |
| Pasco County Florida | 3 | $ 276,000 | $ 92,000 | $ 67,000 |
| Volusia County Florida | 3 | $ 275,000 | $ 91,000 | $ 38,000 |
| Bureau County Illinois | 3 | $ 286,000 | $ 95,000 | $ 29,000 |
| Champaign County Illinois | 3 | $ 125,000 | $ 41,000 | $ 72,000 |
| Knox County Illinois | 3 | $ 366,000 | $ 122,000 | $ 75,000 |
| McLean County Illinois | 3 | $ 209,000 | $ 69,000 | $ 63,000 |
| Cass County Michigan | 3 | $ 661,000 | $ 220,000 | $ 94,000 |
| Horry County South Carolina | 3 | $ 211,000 | $ 70,000 | $ 185,000 |
| Vilas County Wisconsin | 3 | $ 379,000 | $ 126,000 | $ 121,000 |
| Waushara County Wisconsin | 3 | $ 413,000 | $ 137,000 | $ 53,000 |
| Pima County Arizona | 2 | $ 573,000 | $ 286,000 | $ 161,000 |
| San Francisco County California | 2 | $ 810,000 | $ 405,000 | $ 780,000 |
| San Mateo County California | 2 | $ 800,000 | $ 400,000 | $ 106,000 |
| Ventura County California | 2 | $ 275,000 | $ 137,000 | $ 0 |
| Denver County Colorado | 2 | $ 298,000 | $ 149,000 | $ 57,000 |
| Charlotte County Florida | 2 | $ 385,000 | $ 192,000 | $ 89,000 |
| Escambia County Florida | 2 | $ 573,000 | $ 286,000 | $ 149,000 |
| Lake County Florida | 2 | $ 274,000 | $ 137,000 | $ 30,000 |
| Orange County Florida | 2 | $ 329,000 | $ 164,000 | $ 0 |
| Palm Beach County Florida | 2 | $ 430,000 | $ 215,000 | $ 775,000 |
| Livingston County Illinois | 2 | $ 176,000 | $ 88,000 | $ 63,000 |
| LaPorte County Indiana | 2 | $ 213,000 | $ 106,000 | $ 178,000 |
| Marion County Indiana | 2 | $ 265,000 | $ 132,000 | $ 43,000 |
| Starke County Indiana | 2 | $ 119,000 | $ 59,000 | $ 16,000 |
| Steuben County Indiana | 2 | $ 315,000 | $ 157,000 | $ 82,000 |
| Tippecanoe County Indiana | 2 | $ 249,000 | $ 124,000 | $ 27,000 |
| Jefferson County Kentucky | 2 | $ 276,000 | $ 138,000 | $ 63,000 |
| Montgomery County Maryland | 2 | $ 242,000 | $ 121,000 | $ 57,000 |
| Van Buren County Michigan | 2 | $ 465,000 | $ 232,000 | $ 197,000 |
| Hennepin County Minnesota | 2 | $ 729,000 | $ 364,000 | $ 195,000 |
| Washington County Minnesota | 2 | $ 809,000 | $ 404,000 | $ 21,000 |
| Sarpy County Nebraska | 2 | $ 216,000 | $ 108,000 | $ 67,000 |
| Hillsborough County New Hampshire | 2 | $ 643,000 | $ 321,000 | $ 46,000 |
| Butler County Ohio | 2 | $ 322,000 | $ 161,000 | $ 75,000 |
| Allegheny County Pennsylvania | 2 | $ 204,000 | $ 102,000 | $ 49,000 |
| Montgomery County Tennessee | 2 | $ 195,000 | $ 97,000 | $ 109,000 |
| Denton County Texas | 2 | $ 205,000 | $ 102,000 | $ 45,000 |
| Harris County Texas | 2 | $ 446,000 | $ 223,000 | $ 174,000 |
| Travis County Texas | 2 | $ 397,000 | $ 198,000 | $ 42,000 |
| Utah County Utah | 2 | $ 249,000 | $ 124,000 | $ 325,000 |
| King County Washington | 2 | $ 588,000 | $ 294,000 | $ 26,000 |
| Bayfield County Wisconsin | 2 | $ 488,000 | $ 244,000 | $ 278,000 |
| Eau Claire County Wisconsin | 2 | $ 110,000 | $ 55,000 | $ 23,000 |
| Forest County Wisconsin | 2 | $ 182,000 | $ 91,000 | $ 36,000 |
| Grant County Wisconsin | 2 | $ 20,000 | $ 10,000 | $ 45,000 |
| Kewaunee County Wisconsin | 2 | $ 61,000 | $ 30,000 | $ 44,000 |
| Price County Wisconsin | 2 | $ 80,000 | $ 40,000 | $ 67,000 |
| Wood County Wisconsin | 2 | $ 52,000 | $ 26,000 | $ 33,000 |
| Pinal County Arizona | 1 | $ 159,000 | $ 159,000 | $ 90,000 |
| Yavapai County Arizona | 1 | $ 539,000 | $ 539,000 | $ 986,000 |
| Pulaski County Arkansas | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Washington County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Contra Costa County California | 1 | $ 192,000 | $ 192,000 | $ 89,000 |
| Orange County California | 1 | $ 432,000 | $ 432,000 | $ 0 |
| San Luis Obispo County California | 1 | $ 612,000 | $ 612,000 | $ 260,000 |
| Santa Clara County California | 1 | $ 400,000 | $ 400,000 | $ 187,000 |
| Boulder County Colorado | 1 | $ 283,000 | $ 283,000 | $ 34,000 |
| Grand County Colorado | 1 | $ 146,000 | $ 146,000 | $ 267,000 |
| Jefferson County Colorado | 1 | $ 155,000 | $ 155,000 | $ 79,000 |
| Pitkin County Colorado | 1 | $ 638,000 | $ 638,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 210,000 | $ 210,000 | $ 104,000 |
| New Haven County Connecticut | 1 | $ 396,000 | $ 396,000 | $ 180,000 |
| District of Columbia County District Of Columbia | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Brevard County Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Citrus County Florida | 1 | $ 159,000 | $ 159,000 | $ 45,000 |
| Duval County Florida | 1 | $ 97,000 | $ 97,000 | $ 29,000 |
| Hernando County Florida | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Marion County Florida | 1 | $ 588,000 | $ 588,000 | $ 585,000 |
| Monroe County Florida | 1 | $ 225,000 | $ 225,000 | $ 512,000 |
| Okaloosa County Florida | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Osceola County Florida | 1 | $ 230,000 | $ 230,000 | $ 165,000 |
| Seminole County Florida | 1 | $ 258,000 | $ 258,000 | $ 105,000 |
| Fulton County Georgia | 1 | $ 200,000 | $ 200,000 | $ 0 |
| De Witt County Illinois | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Jackson County Illinois | 1 | $ 11,000 | $ 11,000 | $ 47,000 |
| Macon County Illinois | 1 | $ 273,000 | $ 273,000 | $ 80,000 |
| Madison County Illinois | 1 | $ 34,000 | $ 34,000 | $ 129,000 |
| Putnam County Illinois | 1 | $ 67,000 | $ 67,000 | $ 35,000 |
| Saline County Illinois | 1 | $ 90,000 | $ 90,000 | $ 44,000 |
| Sangamon County Illinois | 1 | $ 90,000 | $ 90,000 | $ 228,000 |
| Schuyler County Illinois | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Union County Illinois | 1 | $ 34,000 | $ 34,000 | $ 27,000 |
| DeKalb County Indiana | 1 | $ 229,000 | $ 229,000 | $ 124,000 |
| Elkhart County Indiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Hendricks County Indiana | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Johnson County Indiana | 1 | $ 114,000 | $ 114,000 | $ 79,000 |
| Kosciusko County Indiana | 1 | $ 139,000 | $ 139,000 | $ 64,000 |
| LaGrange County Indiana | 1 | $ 119,000 | $ 119,000 | $ 151,000 |
| Miami County Indiana | 1 | $ 144,000 | $ 144,000 | $ 100,000 |
| White County Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Johnson County Iowa | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Linn County Iowa | 1 | $ 231,000 | $ 231,000 | $ 116,000 |
| Muscatine County Iowa | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Scott County Iowa | 1 | $ 132,000 | $ 132,000 | $ 145,000 |
| Johnson County Kansas | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Fayette County Kentucky | 1 | $ 374,000 | $ 374,000 | $ 0 |
| Scott County Kentucky | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Washington County Maine | 1 | $ 123,000 | $ 123,000 | $ 52,000 |
| York County Maine | 1 | $ 186,000 | $ 186,000 | $ 205,000 |
| Hampshire County Massachusetts | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 460,000 | $ 460,000 | $ 219,000 |
| Kalamazoo County Michigan | 1 | $ 354,000 | $ 354,000 | $ 112,000 |
| Lapeer County Michigan | 1 | $ 148,000 | $ 148,000 | $ 60,000 |
| Manistee County Michigan | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Mason County Michigan | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Oakland County Michigan | 1 | $ 333,000 | $ 333,000 | $ 192,000 |
| Carver County Minnesota | 1 | $ 412,000 | $ 412,000 | $ 206,000 |
| Jackson County Missouri | 1 | $ 141,000 | $ 141,000 | $ 76,000 |
| Missoula County Montana | 1 | $ 126,000 | $ 126,000 | $ 32,000 |
| Park County Montana | 1 | $ 221,000 | $ 221,000 | $ 91,000 |
| Middlesex County New Jersey | 1 | $ 334,000 | $ 334,000 | $ 90,000 |
| Johnston County North Carolina | 1 | $ 160,000 | $ 160,000 | $ 200,000 |
| Rutherford County North Carolina | 1 | $ 500,000 | $ 500,000 | $ 118,000 |
| Cuyahoga County Ohio | 1 | $ 401,000 | $ 401,000 | $ 69,000 |
| Franklin County Ohio | 1 | $ 500,000 | $ 500,000 | $ 435,000 |
| Hamilton County Ohio | 1 | $ 1,000,000 | $ 1,000,000 | $ 930,000 |
| Lucas County Ohio | 1 | $ 60,000 | $ 60,000 | $ 98,000 |
| Wood County Ohio | 1 | $ 302,000 | $ 302,000 | $ 150,000 |
| Rogers County Oklahoma | 1 | $ 77,000 | $ 77,000 | $ 75,000 |
| Lehigh County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| Dorchester County South Carolina | 1 | $ 190,000 | $ 190,000 | $ 137,000 |
| Davidson County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 319,000 |
| Franklin County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 45,000 |
| Rutherford County Tennessee | 1 | $ 132,000 | $ 132,000 | $ 74,000 |
| Shelby County Tennessee | 1 | $ 192,000 | $ 192,000 | $ 131,000 |
| Bell County Texas | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Dallas County Texas | 1 | $ 63,000 | $ 63,000 | $ 19,000 |
| Tarrant County Texas | 1 | $ 296,000 | $ 296,000 | $ 140,000 |
| Chittenden County Vermont | 1 | $ 117,000 | $ 117,000 | $ 290,000 |
| Fairfax County Virginia | 1 | $ 328,000 | $ 328,000 | $ 138,000 |
| James City County Virginia | 1 | $ 249,000 | $ 249,000 | $ 126,000 |
| Pierce County Washington | 1 | $ 130,000 | $ 130,000 | $ 68,000 |
| Whatcom County Washington | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Barron County Wisconsin | 1 | $ 87,000 | $ 87,000 | $ 144,000 |
| Clark County Wisconsin | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| Crawford County Wisconsin | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Florence County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 108,000 |
| Green County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 71,000 |
| Green Lake County Wisconsin | 1 | $ 24,000 | $ 24,000 | $ 78,000 |
| Langlade County Wisconsin | 1 | $ 110,000 | $ 110,000 | $ 105,000 |
| Marinette County Wisconsin | 1 | $ 51,000 | $ 51,000 | $ 72,000 |
| Marquette County Wisconsin | 1 | $ 30,000 | $ 30,000 | $ 95,000 |
| Portage County Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 60,000 |
| Shawano County Wisconsin | 1 | $ 72,000 | $ 72,000 | $ 61,000 |
| St. Croix County Wisconsin | 1 | $ 296,000 | $ 296,000 | $ 150,000 |
| Vernon County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Washburn County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Mid America Bank in 2004
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 | 10,924 | $1,982,703,000 | $233,857 | $2,800,000 | $108,571 | $3,600,000 |
| Refinancing | 6,927 | $1,217,513,000 | $251,450 | $3,000,000 | $154,000 | $4,415,000 |
| Home Improvement | 1,864 | $139,045,000 | $97,142 | $1,800,000 | $56,285 | $855,000 |
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 | 14,727 | $2,517,792,000 | $221,057 | $3,000,000 | $115,600 | $4,415,000 |
| Hispanic | 2,514 | $385,070,000 | $109,307 | $1,748,000 | $54,923 | $969,000 |
| Black or African American | 1,100 | $158,166,000 | $139,285 | $1,000,000 | $85,857 | $322,000 |
| Asian | 639 | $145,114,000 | $308,222 | $1,500,000 | $109,555 | $3,600,000 |
| Not Provided | 561 | $75,557,000 | $166,571 | $1,128,000 | $64,857 | $928,000 |
| Not applicable | 70 | $34,916,000 | $512,500 | $2,650,000 | $25,500 | $986,000 |
| Native Hawaiian or Other Pacific Islander | 58 | $13,139,000 | $158,250 | $1,160,000 | $49,500 | $220,000 |
| American Indian or Alaskan Native | 46 | $9,507,000 | $171,000 | $1,934,000 | $95,000 | $466,000 |
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) | 19,337 | $3,278,850,000 | $219,394 | $3,000,000 | $110,815 | $4,415,000 |
| FHA-insured (Federal Housing Administration) | 359 | $57,116,000 | $133,200 | $370,000 | $60,000 | $324,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,295,000 | $159,333 | $240,000 | $55,333 | $99,000 |
| 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 | 16,033 | $2,724,405,000 | $228,942 | $2,650,000 | $116,971 | $3,304,000 |
| Application Approved But Not Accepted | 1,081 | $191,221,000 | $202,818 | $3,000,000 | $94,727 | $2,561,000 |
| Preapproval Approved but not Accepted | 713 | $130,348,000 | $182,000 | $1,600,000 | $58,000 | $650,000 |
| Application Denied By Financial Institution | 661 | $85,434,000 | $127,700 | $1,300,000 | $59,000 | $1,475,000 |
| Application Withdrawn By Applicant | 655 | $123,584,000 | $113,166 | $2,800,000 | $109,333 | $4,415,000 |
| Preapproval Denied by Financial Institution | 410 | $57,407,000 | $140,000 | $549,000 | $41,000 | $196,000 |
| File Closed For Incompleteness | 119 | $21,735,000 | $156,500 | $1,000,000 | $56,750 | $438,000 |
| Loan Purchased By The Institution | 43 | $5,127,000 | $116,000 | $311,000 | $49,500 | $159,000 |
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 | 540 | $69,925,000 | $143,142 | $1,300,000 | $57,000 | $355,000 |
| Debt-To-Income Ratio | 250 | $33,580,000 | $128,000 | $421,000 | $53,600 | $156,000 |
| Other | 123 | $15,342,000 | $90,750 | $491,000 | $48,250 | $210,000 |
| Collateral | 77 | $11,452,000 | $108,200 | $1,160,000 | $45,800 | $190,000 |
| Employment History | 30 | $4,248,000 | $124,000 | $350,000 | $28,250 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $4,211,000 | $138,666 | $288,000 | $39,333 | $135,000 |
| Unverifiable Information | 16 | $3,088,000 | $191,500 | $450,000 | $151,000 | $1,475,000 |
| Mortgage Insurance Denied | 5 | $763,000 | $150,666 | $236,000 | $46,333 | $88,000 |
| Credit Application Incomplete | 2 | $232,000 | $116,000 | $204,000 | $57,500 | $73,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid America Bank's 2004 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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