# Mid-America Bank

> **Canonical URL:** https://saferate.com/lenders/mid-america-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Mid-America Bank is a bank, headquartered in Baldwin City, KS, serving borrowers across 8 states, with 298 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300214PKB2Y1ZWH75
- **Headquarters:** Baldwin City, KS
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AZ, CO, FL, KS, MO, NE, OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.303%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $789
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 298
- **Dollar Volume:** $91 million
- **Applications Received:** 326
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $303,725
- **Average Borrower Income:** $159,081
- **Average Property Value:** $460,537

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 296 | +0.298% | $789 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 216 loans, Score: 67/100 (Strong)
- Refinance: 80 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 218 | $69M | +0.309% | Strong 😀 |
| Refinance | 70/100 | 80 | $22M | +0.288% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 284 | 0.95% | 89/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lawrence, KS | KS | 137 | 100/100 |
| Kansas City, MO | MO-KS | 90 | 68/100 |
| Topeka, KS | KS | 40 | 68/100 |
| Non |  | 22 | 32/100 |

## Where This Lender Ranks

Mid-America Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lawrence, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Lawrence, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Kansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Kansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Lawrence, KS
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders)
- 🥉 **#3** in Lawrence, KS Banks
  - [View Full Rankings](https://saferate.com/lawrence-ks/best-mortgage-lenders/banks)
- 🥉 **#3** in Topeka, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Topeka, KS Banks
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/banks)
- 🏆 **#5** in Topeka, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Kansas City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Topeka, KS
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders)
- 🏆 **#9** in Kansas City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Kansas Banks
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks)
- 🏆 **#12** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🏆 **#14** in Kansas
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Mid-America Bank offer?

Mid-America Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Mid-America Bank offer mortgages?

Mid-America Bank offers mortgages in 8 states: AZ, CO, FL, KS, MO, NE, OK, TX.

### How competitive are Mid-America Bank's mortgage rates?

Mid-America Bank has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.303% above market average.

### What type of lender is Mid-America Bank?

Mid-America Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Baldwin City, KS.

### What is Mid-America Bank's loan approval success rate?

Mid-America Bank has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mid-america-bank

### How to Cite

> "Mid-America Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mid-america-bank

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