Mid America Bank Mortgage Lending & HMDA Data, 2003
In 2003, Mid America Bank of Clarendon Hills, IL reported 29,229 mortgage applications totaling $5.0 billion. The average application was for $170,885, and applicants reported an average income of $74,917. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago, IL (23,441), Milwaukee-Waukesha, WI (4,334) and Racine, WI (214) (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 | 29,229 |
| Total Mortgage Loan Application Amount | $4,994,814,000 |
| Average Mortgage Loan Application Amount | $170,885 |
| Highest Mortgage Loan Application Amount | $6,900,000 |
| Average Applicant Income | $74,917 |
| Highest Applicant Income | $6,060,000 |
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Act (HMDA) records Mid America Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago, IL | 23,441 | $ 4,132,260,000 | $ 176,283 | $ 69,000 |
| Milwaukee-Waukesha, WI | 4,334 | $ 583,755,000 | $ 134,691 | $ 63,000 |
| Racine, WI | 214 | $ 33,987,000 | $ 158,817 | $ 61,000 |
| Madison, WI | 178 | $ 39,333,000 | $ 220,971 | $ 75,000 |
| Kenosha, WI | 89 | $ 13,365,000 | $ 150,168 | $ 83,000 |
| Gary, IN | 50 | $ 6,681,000 | $ 133,620 | $ 75,000 |
| Rockford, IL | 38 | $ 5,313,000 | $ 139,815 | $ 61,000 |
| Phoenix-Mesa, AZ | 35 | $ 8,813,000 | $ 251,800 | $ 120,000 |
| Benton Harbor, MI | 25 | $ 6,206,000 | $ 248,240 | $ 137,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 10,817,000 | $ 432,680 | $ 84,000 |
| Sheboygan, WI | 22 | $ 2,538,000 | $ 115,363 | $ 122,000 |
| Appleton-Oshkosh-Neenah, WI | 19 | $ 1,457,000 | $ 76,684 | $ 54,000 |
| Green Bay, WI | 16 | $ 1,533,000 | $ 95,812 | $ 54,000 |
| Kankakee, IL | 16 | $ 1,848,000 | $ 115,500 | $ 56,000 |
| Fort Myers-Cape Coral, FL | 15 | $ 4,011,000 | $ 267,400 | $ 187,000 |
| Naples, FL | 15 | $ 4,168,000 | $ 277,866 | $ 195,000 |
| Fort Lauderdale, FL | 12 | $ 3,343,000 | $ 278,583 | $ 111,000 |
| Janesville-Beloit, WI | 10 | $ 5,171,000 | $ 517,100 | $ 68,000 |
| Kalamazoo-Battle Creek, MI | 9 | $ 1,316,000 | $ 146,222 | $ 111,000 |
| Minneapolis-St. Paul, MN-WI | 9 | $ 7,764,000 | $ 862,666 | $ 83,000 |
| Los Angeles-Long Beach, CA | 8 | $ 2,799,000 | $ 349,875 | $ 50,000 |
| Sarasota-Bradenton, FL | 8 | $ 1,410,000 | $ 176,250 | $ 205,000 |
| Jacksonville, FL | 7 | $ 1,800,000 | $ 257,142 | $ 340,000 |
| Las Vegas, NV-AZ | 7 | $ 1,197,000 | $ 171,000 | $ 196,000 |
| Atlanta, GA | 6 | $ 1,327,000 | $ 221,166 | $ 116,000 |
| Bloomington-Normal, IL | 6 | $ 727,000 | $ 121,166 | $ 197,000 |
| Oakland, CA | 6 | $ 1,748,000 | $ 291,333 | $ 118,000 |
| Orlando, FL | 6 | $ 792,000 | $ 132,000 | $ 71,000 |
| Tucson, AZ | 6 | $ 716,000 | $ 119,333 | $ 47,000 |
| Ann Arbor, MI | 5 | $ 788,000 | $ 157,600 | $ 29,000 |
| Denver, CO | 5 | $ 1,386,000 | $ 277,200 | $ 94,000 |
| Detroit, MI | 5 | $ 1,178,000 | $ 235,600 | $ 72,000 |
| Grand Rapids-Muskegon-Holland, MI | 5 | $ 1,122,000 | $ 224,400 | $ 125,000 |
| Miami, FL | 5 | $ 2,220,000 | $ 444,000 | $ 543,000 |
| Middlesex-Somerset-Hunterdon, NJ | 4 | $ 1,520,000 | $ 380,000 | $ 117,000 |
| Riverside-San Bernardino, CA | 4 | $ 1,112,000 | $ 278,000 | $ 514,000 |
| St. Louis, MO-IL | 4 | $ 1,144,000 | $ 286,000 | $ 140,000 |
| West Palm Beach-Boca Raton, FL | 4 | $ 635,000 | $ 158,750 | $ 91,000 |
| Baltimore, MD | 3 | $ 813,000 | $ 271,000 | $ 152,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 420,000 | $ 140,000 | $ 85,000 |
| Colorado Springs, CO | 3 | $ 427,000 | $ 142,333 | $ 15,000 |
| Columbus, OH | 3 | $ 1,214,000 | $ 404,666 | $ 425,000 |
| Dallas, TX | 3 | $ 451,000 | $ 150,333 | $ 126,000 |
| Philadelphia, PA-NJ | 3 | $ 680,000 | $ 226,666 | $ 115,000 |
| Providence-Fall River-Warwick, RI-MA | 3 | $ 722,000 | $ 240,666 | $ 86,000 |
| Raleigh-Durham-Chapel Hill, NC | 3 | $ 965,000 | $ 321,666 | $ 208,000 |
| San Antonio, TX | 3 | $ 295,000 | $ 98,333 | $ 12,000 |
| San Francisco, CA | 3 | $ 1,474,000 | $ 491,333 | $ 269,000 |
| Austin-San Marcos, TX | 2 | $ 331,000 | $ 165,500 | $ 21,000 |
| Champaign-Urbana, IL | 2 | $ 168,000 | $ 84,000 | $ 129,000 |
| Cincinnati, OH-KY-IN | 2 | $ 1,010,000 | $ 505,000 | $ 31,000 |
| Daytona Beach, FL | 2 | $ 313,000 | $ 156,500 | $ 25,000 |
| Fayetteville-Springdale-Rogers, AR | 2 | $ 581,000 | $ 290,500 | $ 123,000 |
| Fort Collins-Loveland, CO | 2 | $ 371,000 | $ 185,500 | $ 65,000 |
| Fort Wayne, IN | 2 | $ 288,000 | $ 144,000 | $ 149,000 |
| Indianapolis, IN | 2 | $ 290,000 | $ 145,000 | $ 96,000 |
| Knoxville, TN | 2 | $ 352,000 | $ 176,000 | $ 88,000 |
| Myrtle Beach, SC | 2 | $ 143,000 | $ 71,500 | $ 19,000 |
| Newark, NJ | 2 | $ 577,000 | $ 288,500 | $ 120,000 |
| Toledo, OH | 2 | $ 163,000 | $ 81,500 | $ 49,000 |
| Wausau, WI | 2 | $ 205,000 | $ 102,500 | $ 89,000 |
| Akron, OH | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Altoona, PA | 1 | $ 126,000 | $ 126,000 | $ 120,000 |
| Athens, GA | 1 | $ 80,000 | $ 80,000 | $ 67,000 |
| Baton Rouge, LA | 1 | $ 89,000 | $ 89,000 | $ 64,000 |
| Boise City, ID | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Boston, MA-NH | 1 | $ 570,000 | $ 570,000 | $ 396,000 |
| Boulder-Longmont, CO | 1 | $ 300,000 | $ 300,000 | $ 64,000 |
| Charlottesville, VA | 1 | $ 170,000 | $ 170,000 | $ 78,000 |
| Cleveland-Lorain-Elyria, OH | 1 | $ 156,000 | $ 156,000 | $ 65,000 |
| Eau Claire, WI | 1 | $ 18,000 | $ 18,000 | $ 75,000 |
| Elkhart-Goshen, IN | 1 | $ 89,000 | $ 89,000 | $ 51,000 |
| Evansville-Henderson, IN-KY | 1 | $ 93,000 | $ 93,000 | $ 32,000 |
| Gainesville, FL | 1 | $ 200,000 | $ 200,000 | $ 300,000 |
| Greensboro--Winston-Salem--High Point, NC | 1 | $ 89,000 | $ 89,000 | $ 38,000 |
| Houston, TX | 1 | $ 190,000 | $ 190,000 | $ 138,000 |
| Huntsville, AL | 1 | $ 400,000 | $ 400,000 | $ 131,000 |
| Jackson, TN | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Jersey City, NJ | 1 | $ 220,000 | $ 220,000 | $ 150,000 |
| Lafayette, IN | 1 | $ 297,000 | $ 297,000 | $ 192,000 |
| Lancaster, PA | 1 | $ 159,000 | $ 159,000 | $ 414,000 |
| Lansing-East Lansing, MI | 1 | $ 120,000 | $ 120,000 | $ 91,000 |
| Lima, OH | 1 | $ 68,000 | $ 68,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 86,000 | $ 86,000 | $ 56,000 |
| Monmouth-Ocean, NJ | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| New Haven-Meriden, CT | 1 | $ 374,000 | $ 374,000 | $ 150,000 |
| New York, NY | 1 | $ 190,000 | $ 190,000 | $ 137,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1 | $ 117,000 | $ 117,000 | $ 91,000 |
| Ocala, FL | 1 | $ 38,000 | $ 38,000 | $ 53,000 |
| Olympia, WA | 1 | $ 143,000 | $ 143,000 | $ 89,000 |
| Orange County, CA | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 63,000 | $ 63,000 | $ 42,000 |
| Pittsfield, MA | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Portland-Vancouver, OR-WA | 1 | $ 334,000 | $ 334,000 | $ 314,000 |
| Rochester, NY | 1 | $ 237,000 | $ 237,000 | $ 233,000 |
| Sacramento, CA | 1 | $ 190,000 | $ 190,000 | $ 438,000 |
| San Diego, CA | 1 | $ 544,000 | $ 544,000 | $ 0 |
| San Jose, CA | 1 | $ 450,000 | $ 450,000 | $ 101,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| Springfield, IL | 1 | $ 34,000 | $ 34,000 | $ 383,000 |
| Springfield, MA | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Stamford-Norwalk, CT | 1 | $ 460,000 | $ 460,000 | $ 162,000 |
| Tallahassee, FL | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Tulsa, OK | 1 | $ 273,000 | $ 273,000 | $ 84,000 |
| Ventura, CA | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Waterbury, CT | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 322,000 | $ 322,000 | $ 135,000 |
| Wilmington, NC | 1 | $ 240,000 | $ 240,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Mid America Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 14,779 | $2,475,355,000 | $217,421 | $6,900,000 | $124,736 | $6,060,000 |
| Home Purchase (one-to-four family) | 10,986 | $2,029,687,000 | $221,593 | $2,000,000 | $110,875 | $3,227,000 |
| Home Improvement (one-to-four family) | 2,866 | $202,290,000 | $56,375 | $2,000,000 | $106,625 | $2,178,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 598 | $287,482,000 | $1,815,250 | $5,200,000 | $0 | $0 |
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 | 23,613 | $4,065,131,000 | $225,650 | $6,900,000 | $128,300 | $6,060,000 |
| Hispanic | 2,913 | $424,574,000 | $107,083 | $1,350,000 | $58,250 | $388,000 |
| Black | 1,368 | $201,358,000 | $183,250 | $1,700,000 | $83,833 | $441,000 |
| Asian or Pacific Islander | 880 | $187,533,000 | $287,777 | $923,000 | $68,222 | $630,000 |
| Information not provided by applicant in mail or telephone application | 232 | $57,313,000 | $374,000 | $4,400,000 | $66,375 | $1,444,000 |
| Not applicable | 91 | $32,869,000 | $304,666 | $2,600,000 | $35,333 | $643,000 |
| Other | 74 | $15,694,000 | $165,750 | $825,000 | $126,000 | $356,000 |
| American Indian or Alaskan Native | 58 | $10,342,000 | $124,333 | $1,100,000 | $106,666 | $848,000 |
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) | 28,879 | $4,939,138,000 | $227,190 | $6,900,000 | $122,904 | $6,060,000 |
| FHA-insured (Federal Housing Administration) | 328 | $51,994,000 | $115,500 | $315,000 | $33,750 | $200,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,682,000 | $167,000 | $235,000 | $53,000 | $103,000 |
| 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 | 26,107 | $4,488,893,000 | $231,842 | $6,900,000 | $128,947 | $6,060,000 |
| Application Withdrawn By Applicant | 1,200 | $208,288,000 | $186,857 | $4,400,000 | $88,785 | $3,227,000 |
| Application Approved But Not Accepted | 966 | $178,054,000 | $258,400 | $3,200,000 | $108,666 | $2,304,000 |
| Application Denied By Financial Institution | 742 | $87,486,000 | $106,454 | $2,700,000 | $92,454 | $455,000 |
| File Closed For Incompleteness | 196 | $29,004,000 | $133,428 | $672,000 | $59,142 | $257,000 |
| Loan Purchased By The Institution | 18 | $3,089,000 | $195,000 | $561,000 | $92,333 | $300,000 |
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 | 342 | $36,284,000 | $96,000 | $1,120,000 | $48,750 | $385,000 |
| Debt-To-Income Ratio | 137 | $15,000,000 | $106,500 | $500,000 | $46,166 | $175,000 |
| Collateral | 99 | $15,739,000 | $104,333 | $607,000 | $35,333 | $205,000 |
| Unverifiable Information | 70 | $2,909,000 | $48,666 | $190,000 | $63,000 | $150,000 |
| Other | 57 | $11,579,000 | $150,857 | $2,700,000 | $147,000 | $455,000 |
| Employment History | 15 | $2,316,000 | $101,666 | $280,000 | $34,000 | $70,000 |
| Credit Application Incomplete | 11 | $1,692,000 | $96,500 | $334,000 | $79,500 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,677,000 | $167,000 | $353,000 | $41,000 | $85,000 |
| Mortgage Insurance Denied | 1 | $290,000 | $290,000 | $290,000 | $82,000 | $82,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid America Bank's 2003 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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