Mid America Bank Mortgage Lending & HMDA Data, 2005
In 2005, Mid America Bank of Clarendon Hills, IL reported 20,847 mortgage applications totaling $3.7 billion, up 6% from 2004. The average application was for $176,572, and applicants reported an average income of $69,323. 76% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (15,037), Milwaukee-Waukesha-West Allis, WI (2,317) and Lake County-Kenosha County, IL-WI (382) (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 | 20,847 |
| Total Mortgage Loan Application Amount | $3,681,012,000 |
| Average Mortgage Loan Application Amount | $176,572 |
| Highest Mortgage Loan Application Amount | $13,500,000 |
| Average Applicant Income | $69,323 |
| Highest Applicant Income | $7,930,000 |
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Act (HMDA) records Mid America Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 15,037 | $ 2,759,312,000 | $ 183,501 | $ 76,000 |
| Milwaukee-Waukesha-West Allis, WI | 2,317 | $ 288,971,000 | $ 124,717 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 382 | $ 80,898,000 | $ 211,774 | $ 77,000 |
| Racine, WI | 85 | $ 13,097,000 | $ 154,082 | $ 61,000 |
| Madison, WI | 61 | $ 16,402,000 | $ 268,885 | $ 96,000 |
| Rockford, IL | 50 | $ 6,358,000 | $ 127,160 | $ 69,000 |
| Fond Du Lac, WI | 42 | $ 5,624,000 | $ 133,904 | $ 48,000 |
| Gary, IN | 41 | $ 4,825,000 | $ 117,682 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 5,550,000 | $ 222,000 | $ 119,000 |
| Cape Coral-Fort Myers, FL | 24 | $ 6,846,000 | $ 285,250 | $ 238,000 |
| Sheboygan, WI | 21 | $ 7,190,000 | $ 342,380 | $ 124,000 |
| Sarasota-Bradenton-Venice, FL | 19 | $ 3,385,000 | $ 178,157 | $ 85,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 3,855,000 | $ 214,166 | $ 116,000 |
| Niles-Benton Harbor, MI | 17 | $ 4,491,000 | $ 264,176 | $ 217,000 |
| Kankakee-Bradley, IL | 16 | $ 2,138,000 | $ 133,625 | $ 57,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 2,395,000 | $ 171,071 | $ 86,000 |
| Orlando, FL | 13 | $ 2,306,000 | $ 177,384 | $ 44,000 |
| Janesville, WI | 12 | $ 1,605,000 | $ 133,750 | $ 26,000 |
| Naples-Marco Island, FL | 9 | $ 5,217,000 | $ 579,666 | $ 110,000 |
| Peoria, IL | 9 | $ 675,000 | $ 75,000 | $ 74,000 |
| Green Bay, WI | 8 | $ 3,402,000 | $ 425,250 | $ 60,000 |
| Appleton, WI | 7 | $ 2,257,000 | $ 322,428 | $ 107,000 |
| Indianapolis, IN | 7 | $ 1,528,000 | $ 218,285 | $ 127,000 |
| Oshkosh-Neenah, WI | 7 | $ 532,000 | $ 76,000 | $ 68,000 |
| Kalamazoo-Portage, MI | 6 | $ 1,013,000 | $ 168,833 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 2,210,000 | $ 368,333 | $ 115,000 |
| Nashville-Davidson--Murfreesboro, TN | 6 | $ 1,142,000 | $ 190,333 | $ 118,000 |
| Philadelphia, PA | 6 | $ 1,634,000 | $ 272,333 | $ 147,000 |
| Michigan City-La Porte, IN | 5 | $ 1,153,000 | $ 230,600 | $ 171,000 |
| Ann Arbor, MI | 4 | $ 407,000 | $ 101,750 | $ 35,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 847,000 | $ 211,750 | $ 113,000 |
| Denver-Aurora, CO | 4 | $ 2,021,000 | $ 505,250 | $ 189,000 |
| Eau Claire, WI | 4 | $ 214,000 | $ 53,500 | $ 48,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,894,000 | $ 473,500 | $ 97,000 |
| Panama City-Lynn Haven, FL | 4 | $ 1,110,000 | $ 277,500 | $ 147,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,203,000 | $ 300,750 | $ 97,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,125,000 | $ 281,250 | $ 153,000 |
| Baltimore-Towson, MD | 3 | $ 336,000 | $ 112,000 | $ 94,000 |
| Bloomington-Normal, IL | 3 | $ 1,255,000 | $ 418,333 | $ 129,000 |
| Champaign-Urbana, IL | 3 | $ 225,000 | $ 75,000 | $ 51,000 |
| Dallas-Plano-Irving, TX | 3 | $ 223,000 | $ 74,333 | $ 26,000 |
| Jacksonville, FL | 3 | $ 1,478,000 | $ 492,666 | $ 52,000 |
| Las Vegas-Paradise, NV | 3 | $ 519,000 | $ 173,000 | $ 75,000 |
| Ocala, FL | 3 | $ 299,000 | $ 99,666 | $ 181,000 |
| Prescott, AZ | 3 | $ 475,000 | $ 158,333 | $ 18,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 681,000 | $ 227,000 | $ 72,000 |
| St. Louis, MO-IL | 3 | $ 413,000 | $ 137,666 | $ 88,000 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 816,000 | $ 272,000 | $ 62,000 |
| Asheville, NC | 2 | $ 400,000 | $ 200,000 | $ 150,000 |
| Charleston-North Charleston, SC | 2 | $ 751,000 | $ 375,500 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 600,000 | $ 300,000 | $ 110,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 290,000 | $ 145,000 | $ 135,000 |
| Danville, IL | 2 | $ 107,000 | $ 53,500 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 360,000 | $ 180,000 | $ 113,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 539,000 | $ 269,500 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 745,000 | $ 372,500 | $ 0 |
| Honolulu, HI | 2 | $ 587,000 | $ 293,500 | $ 31,000 |
| Houston-Baytown-Sugar Land, TX | 2 | $ 450,000 | $ 225,000 | $ 78,000 |
| Lafayette, IN | 2 | $ 155,000 | $ 77,500 | $ 61,000 |
| Lakeland, FL | 2 | $ 230,000 | $ 115,000 | $ 118,000 |
| Las Cruces, NM | 2 | $ 788,000 | $ 394,000 | $ 135,000 |
| Memphis, TN-MS-AR | 2 | $ 199,000 | $ 99,500 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 2 | $ 212,000 | $ 106,000 | $ 132,000 |
| Ogden-Clearfield, UT | 2 | $ 249,000 | $ 124,500 | $ 56,000 |
| Raleigh-Cary, NC | 2 | $ 801,000 | $ 400,500 | $ 208,000 |
| Tucson, AZ | 2 | $ 279,000 | $ 139,500 | $ 54,000 |
| Wichita, KS | 2 | $ 228,000 | $ 114,000 | $ 55,000 |
| Albuquerque, NM | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Bay City, MI | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Bloomington, IN | 1 | $ 43,000 | $ 43,000 | $ 197,000 |
| Boise City-Nampa, ID | 1 | $ 118,000 | $ 118,000 | $ 102,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 176,000 | $ 176,000 | $ 35,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 56,000 | $ 56,000 | $ 129,000 |
| Cedar Rapids, IA | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Decatur, IL | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Eugene-Springfield, OR | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Fort Worth-Arlington, TX | 1 | $ 350,000 | $ 350,000 | $ 175,000 |
| Hot Springs, AR | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Knoxville, TN | 1 | $ 126,000 | $ 126,000 | $ 0 |
| La Crosse, WI-MN | 1 | $ 314,000 | $ 314,000 | $ 103,000 |
| Lexington-Fayette, KY | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Louisville, KY-IN | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 584,000 | $ 584,000 | $ 170,000 |
| Morristown, TN | 1 | $ 236,000 | $ 236,000 | $ 71,000 |
| Newark-Union, NJ-PA | 1 | $ 210,000 | $ 210,000 | $ 63,000 |
| Pittsburgh, PA | 1 | $ 162,000 | $ 162,000 | $ 77,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 340,000 | $ 340,000 | $ 136,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 282,000 | $ 282,000 | $ 91,000 |
| Punta Gorda, FL | 1 | $ 176,000 | $ 176,000 | $ 241,000 |
| Reno-Sparks, NV | 1 | $ 352,000 | $ 352,000 | $ 125,000 |
| Richmond, VA | 1 | $ 214,000 | $ 214,000 | $ 62,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 234,000 | $ 234,000 | $ 78,000 |
| Sandusky, OH | 1 | $ 299,000 | $ 299,000 | $ 218,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 100,000 | $ 100,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 44,000 | $ 44,000 | $ 27,000 |
| Springfield, IL | 1 | $ 127,000 | $ 127,000 | $ 228,000 |
| Tulsa, OK | 1 | $ 70,000 | $ 70,000 | $ 75,000 |
| Wausau, WI | 1 | $ 39,000 | $ 39,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Mid America Bank in 2005
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 | 11,577 | $2,183,848,000 | $207,764 | $6,000,000 | $82,058 | $7,930,000 |
| Refinancing | 8,593 | $1,416,747,000 | $210,375 | $6,400,000 | $82,041 | $2,149,000 |
| Home Improvement | 677 | $80,417,000 | $82,000 | $13,500,000 | $62,000 | $5,800,000 |
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 | 14,857 | $2,629,360,000 | $211,028 | $6,400,000 | $92,085 | $7,930,000 |
| Hispanic | 2,773 | $447,541,000 | $161,363 | $2,000,000 | $38,363 | $343,000 |
| Not Provided | 1,413 | $199,215,000 | $233,000 | $2,448,000 | $86,900 | $1,117,000 |
| Black or African American | 1,011 | $159,975,000 | $211,833 | $1,700,000 | $115,583 | $498,000 |
| Asian | 574 | $123,458,000 | $244,818 | $1,200,000 | $76,909 | $849,000 |
| Not applicable | 112 | $99,546,000 | $960,500 | $13,500,000 | $226,000 | $5,800,000 |
| American Indian or Alaskan Native | 67 | $13,243,000 | $192,750 | $916,000 | $69,500 | $396,000 |
| Native Hawaiian or Other Pacific Islander | 40 | $8,674,000 | $307,000 | $650,000 | $56,000 | $275,000 |
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) | 20,506 | $3,622,713,000 | $205,282 | $13,500,000 | $81,923 | $7,930,000 |
| FHA-insured (Federal Housing Administration) | 315 | $53,565,000 | $144,000 | $388,000 | $52,500 | $150,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,734,000 | $165,333 | $351,000 | $57,000 | $146,000 |
| 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 | 15,941 | $2,815,463,000 | $209,027 | $13,500,000 | $92,000 | $7,930,000 |
| Preapproval Approved but not Accepted | 1,275 | $241,587,000 | $189,000 | $1,600,000 | $77,000 | $893,000 |
| Application Approved But Not Accepted | 1,163 | $203,256,000 | $248,333 | $2,000,000 | $57,166 | $1,859,000 |
| Application Denied By Financial Institution | 993 | $158,940,000 | $191,500 | $2,000,000 | $51,916 | $536,000 |
| Preapproval Denied by Financial Institution | 810 | $122,423,000 | $151,000 | $1,760,000 | $54,000 | $336,000 |
| Application Withdrawn By Applicant | 569 | $121,137,000 | $269,500 | $2,448,000 | $66,500 | $696,000 |
| File Closed For Incompleteness | 65 | $14,561,000 | $428,000 | $2,000,000 | $76,250 | $310,000 |
| Loan Purchased By The Institution | 31 | $3,645,000 | $98,500 | $279,000 | $43,000 | $90,000 |
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 | 912 | $137,912,000 | $199,375 | $1,500,000 | $62,750 | $420,000 |
| Debt-To-Income Ratio | 454 | $71,177,000 | $197,500 | $1,760,000 | $61,250 | $257,000 |
| Other | 169 | $26,533,000 | $135,400 | $1,360,000 | $50,000 | $322,000 |
| Collateral | 104 | $16,949,000 | $173,000 | $975,000 | $40,000 | $536,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 70 | $11,210,000 | $124,000 | $360,000 | $44,800 | $240,000 |
| Employment History | 48 | $7,753,000 | $163,000 | $428,000 | $39,750 | $153,000 |
| Unverifiable Information | 45 | $9,698,000 | $154,000 | $2,000,000 | $71,666 | $199,000 |
| Mortgage Insurance Denied | 1 | $131,000 | $131,000 | $131,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid America Bank's 2005 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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