Mid-America Bank mortgage approval rate & lending review
Mid-America Bank decided 1,124 mortgage applications and funded 1,120 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mid-America Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mid-America Bank at a glance
Approval is 16.3 points above the 83.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 487 / 489 | 100% | $265K | 487 |
| Home improvement loans | 100% | 25 / 25 | 100% | $85K | 25 |
| Cash-out refinance | 98% | 49 / 50 | 100% | $255K | 49 |
| Refinance | 100% | 149 / 149 | 100% | $215K | 149 |
| Investment property purchase | 100% | 317 / 318 | 100% | $185K | 317 |
| Investment refinance | 100% | 69 / 69 | 100% | $205K | 69 |
Mid-America Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mid-America Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, KS | Mortgage lenders | 100% | 280 | 279 |
| Johnson County, KS | Mortgage lenders | 100% | 135 | 135 |
| Douglas County, KS | Investment property purchase | 99% | 123 | 122 |
| Douglas County, KS | Refinance | 100% | 102 | 102 |
| Johnson County, KS | Investment property purchase | 100% | 99 | 99 |
| Shawnee County, KS | Investment property purchase | 100% | 47 | 47 |
| Johnson County, KS | Refinance | 100% | 34 | 34 |
| Shawnee County, KS | Mortgage lenders | 97% | 35 | 34 |
| Douglas County, KS | Cash-out refinance | 100% | 33 | 33 |
| Jackson County, MO | Investment property purchase | 100% | 30 | 30 |
The county markets where Mid-America Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Mid-America Bank
What is Mid-America Bank's mortgage approval rate?
Mid-America Bank approved 99.6% of the 1,124 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.3 points above the 83.4% national rate for the same mix of loan types.
How often do borrowers take the loan Mid-America Bank offers?
Borrowers accepted 100% of the loans Mid-America Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mid-America Bank make?
The typical home purchase mortgage loan Mid-America Bank made was $265K; across all loan types its typical loan ran from $85K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mid-America Bank lend?
Mid-America Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Kansas, Missouri and Colorado.
Can I apply to Mid-America Bank directly?
Yes. Mid-America Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mid-America Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mid-America Bank treats applications, then get a rate quote from the lender.