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MAB

Mid-America Bank

BankBaldwin City, KSHQDirectReviews near you on Google

Mid-America Bank has 298 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Multi-Region · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Mid-America Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.3 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume296
Mix99.3%
Spread
+0.298%Above
Fees
$789Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume218
Mix73.2%
Spread
+0.309%Above
Fees
$912Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume80
Mix26.8%
Spread
+0.288%Above
Fees
$488Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
298
Applications
326
Volume
$90 million
Pricing & Closing
Avg Rate Spread
+0.303%
vs. market APOR
Avg Net Fees
$789
Origination − Credits
Pullthrough Rate
91.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$303,725
Avg Borrower Income
$159,081
Avg Property Value
$460,537

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
KSMONE
South3
FLOKTX
West2
AZCO

Top Metro Areas by Place Specialization Score

Volume 137Mix 45.97% of portfolio
100/100
Exceptional
2© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 90Mix 30.20% of portfolio
68/100
Strong
Volume 40Mix 13.42% of portfolio
68/100
Strong

Top States by Place Specialization Score

Kansas
Kansas
1
KansasState
Volume 284Mix 95.30% of portfolio
89/100
Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.