Mid America Bank Mortgage Lending & HMDA Data, 2004
In 2004, Mid America Bank of Clarendon Hills, IL reported 19,715 mortgage applications totaling $3.3 billion, down 33% from 2003. The average application was for $169,376, and applicants reported an average income of $66,352. 81% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (15,283), Milwaukee-Waukesha-West Allis, WI (1,927) and Lake County-Kenosha County, IL-WI (333) (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 | 19,715 |
| Total Mortgage Loan Application Amount | $3,339,261,000 |
| Average Mortgage Loan Application Amount | $169,376 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $66,352 |
| Highest Applicant Income | $4,415,000 |
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Act (HMDA) records Mid America Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Naperville-Joliet, IL | 15,283 | $ 2,710,311,000 | $ 177,341 | $ 66,000 |
| Milwaukee-Waukesha-West Allis, WI | 1,927 | $ 205,525,000 | $ 106,655 | $ 56,000 |
| Lake County-Kenosha County, IL-WI | 333 | $ 62,627,000 | $ 188,069 | $ 76,000 |
| Madison, WI | 211 | $ 34,605,000 | $ 164,004 | $ 76,000 |
| Racine, WI | 85 | $ 8,818,000 | $ 103,741 | $ 53,000 |
| Gary, IN | 40 | $ 5,191,000 | $ 129,775 | $ 62,000 |
| Rockford, IL | 32 | $ 4,363,000 | $ 136,343 | $ 63,000 |
| Green Bay, WI | 31 | $ 1,639,000 | $ 52,870 | $ 67,000 |
| Phoenix-Mesa-Scottsdale, AZ | 26 | $ 6,937,000 | $ 266,807 | $ 311,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 3,516,000 | $ 140,640 | $ 34,000 |
| Janesville, WI | 18 | $ 561,000 | $ 31,166 | $ 39,000 |
| Fond Du Lac, WI | 15 | $ 1,276,000 | $ 85,066 | $ 51,000 |
| Niles-Benton Harbor, MI | 13 | $ 2,440,000 | $ 187,692 | $ 99,000 |
| Sarasota-Bradenton-Venice, FL | 12 | $ 5,958,000 | $ 496,500 | $ 196,000 |
| Sheboygan, WI | 12 | $ 1,533,000 | $ 127,750 | $ 64,000 |
| Naples-Marco Island, FL | 11 | $ 6,182,000 | $ 562,000 | $ 196,000 |
| Oshkosh-Neenah, WI | 11 | $ 589,000 | $ 53,545 | $ 62,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 2,707,000 | $ 300,777 | $ 39,000 |
| Kankakee-Bradley, IL | 9 | $ 1,136,000 | $ 126,222 | $ 60,000 |
| Appleton, WI | 8 | $ 341,000 | $ 42,625 | $ 69,000 |
| Las Vegas-Paradise, NV | 8 | $ 2,703,000 | $ 337,875 | $ 154,000 |
| Wausau, WI | 8 | $ 341,000 | $ 42,625 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,937,000 | $ 276,714 | $ 137,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 714,000 | $ 102,000 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 1,248,000 | $ 208,000 | $ 119,000 |
| Orlando, FL | 6 | $ 1,091,000 | $ 181,833 | $ 55,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,330,000 | $ 221,666 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,950,000 | $ 390,000 | $ 127,000 |
| Indianapolis, IN | 4 | $ 534,000 | $ 133,500 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 2,282,000 | $ 570,500 | $ 632,000 |
| Peoria, IL | 4 | $ 182,000 | $ 45,500 | $ 40,000 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 2,739,000 | $ 684,750 | $ 46,000 |
| San Francisco-San Mateo-Redwood City, CA | 4 | $ 1,610,000 | $ 402,500 | $ 330,000 |
| Bloomington-Normal, IL | 3 | $ 209,000 | $ 69,666 | $ 63,000 |
| Champaign-Urbana, IL | 3 | $ 125,000 | $ 41,666 | $ 72,000 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 1,322,000 | $ 440,666 | $ 502,000 |
| Dallas-Plano-Irving, TX | 3 | $ 268,000 | $ 89,333 | $ 36,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 275,000 | $ 91,666 | $ 38,000 |
| Denver-Aurora, CO | 3 | $ 453,000 | $ 151,000 | $ 64,000 |
| Kalamazoo-Portage, MI | 3 | $ 819,000 | $ 273,000 | $ 154,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 2,309,000 | $ 769,666 | $ 1,237,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 211,000 | $ 70,333 | $ 185,000 |
| Austin-Round Rock, TX | 2 | $ 397,000 | $ 198,500 | $ 42,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 242,000 | $ 121,000 | $ 57,000 |
| Clarksville, TN-KY | 2 | $ 195,000 | $ 97,500 | $ 109,000 |
| Eau Claire, WI | 2 | $ 110,000 | $ 55,000 | $ 23,000 |
| Houston-Baytown-Sugar Land, TX | 2 | $ 446,000 | $ 223,000 | $ 174,000 |
| Lafayette, IN | 2 | $ 249,000 | $ 124,500 | $ 27,000 |
| Lexington-Fayette, KY | 2 | $ 564,000 | $ 282,000 | $ 35,000 |
| Louisville, KY-IN | 2 | $ 276,000 | $ 138,000 | $ 63,000 |
| Manchester-Nashua, NH | 2 | $ 643,000 | $ 321,500 | $ 46,000 |
| Michigan City-La Porte, IN | 2 | $ 213,000 | $ 106,500 | $ 178,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 219,000 | $ 109,500 | $ 196,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 573,000 | $ 286,500 | $ 149,000 |
| Pittsburgh, PA | 2 | $ 204,000 | $ 102,000 | $ 49,000 |
| Provo-Orem, UT | 2 | $ 249,000 | $ 124,500 | $ 325,000 |
| Punta Gorda, FL | 2 | $ 385,000 | $ 192,500 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 588,000 | $ 294,000 | $ 26,000 |
| Toledo, OH | 2 | $ 362,000 | $ 181,000 | $ 124,000 |
| Tucson, AZ | 2 | $ 573,000 | $ 286,500 | $ 161,000 |
| Warren-Farmington Hills-Troy, MI | 2 | $ 481,000 | $ 240,500 | $ 126,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 430,000 | $ 215,000 | $ 775,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Bellingham, WA | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Boston-Quincy, MA | 1 | $ 460,000 | $ 460,000 | $ 219,000 |
| Boulder, CO | 1 | $ 283,000 | $ 283,000 | $ 34,000 |
| Burlington-South Burlington, VT | 1 | $ 117,000 | $ 117,000 | $ 290,000 |
| Cedar Rapids, IA | 1 | $ 231,000 | $ 231,000 | $ 116,000 |
| Charleston-North Charleston, SC | 1 | $ 190,000 | $ 190,000 | $ 137,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 401,000 | $ 401,000 | $ 69,000 |
| Columbus, OH | 1 | $ 500,000 | $ 500,000 | $ 435,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 132,000 | $ 132,000 | $ 145,000 |
| Decatur, IL | 1 | $ 273,000 | $ 273,000 | $ 80,000 |
| Edison, NJ | 1 | $ 334,000 | $ 334,000 | $ 90,000 |
| Elkhart-Goshen, IN | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 296,000 | $ 296,000 | $ 140,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 210,000 | $ 210,000 | $ 104,000 |
| Iowa City, IA | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Jacksonville, FL | 1 | $ 97,000 | $ 97,000 | $ 29,000 |
| Kansas City, MO-KS | 1 | $ 141,000 | $ 141,000 | $ 76,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Little Rock-North Little Rock, AR | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 192,000 | $ 192,000 | $ 131,000 |
| Missoula, MT | 1 | $ 126,000 | $ 126,000 | $ 32,000 |
| New Haven-Milford, CT | 1 | $ 396,000 | $ 396,000 | $ 180,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 192,000 | $ 192,000 | $ 89,000 |
| Ocala, FL | 1 | $ 588,000 | $ 588,000 | $ 585,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Portland-South Portland-Biddeford, ME | 1 | $ 186,000 | $ 186,000 | $ 205,000 |
| Prescott, AZ | 1 | $ 539,000 | $ 539,000 | $ 986,000 |
| Raleigh-Cary, NC | 1 | $ 160,000 | $ 160,000 | $ 200,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 400,000 | $ 400,000 | $ 187,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 612,000 | $ 612,000 | $ 260,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Springfield, IL | 1 | $ 90,000 | $ 90,000 | $ 228,000 |
| Springfield, MA | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Tacoma, WA | 1 | $ 130,000 | $ 130,000 | $ 68,000 |
| Tulsa, OK | 1 | $ 77,000 | $ 77,000 | $ 75,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 249,000 | $ 249,000 | $ 126,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 539,000 | $ 539,000 | $ 0 |
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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