Mid America Bank
Jefferson City, MO
Mid America Bank processed 360 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 277 loans with a 5.3% denial rate. Home Purchase was the primary loan purpose. Based in Jefferson City, MO. The approval rate of 76.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. Mid America Bank processed 360 HMDA-reported mortgage applications in 2024, originating 277 loans and denying 19 for a denial rate of 5.3% (applicants themselves withdrew 64 files before a decision). The average loan amount was $288,000 at a 8.188% average note rate. The lender reports under LEI 549300DOV2RLYPY10B52 from Jefferson City, MO.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Mid America Bank's 76.9% origination rate tells you how often an application turned into funded money; the 5.3% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (356 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 356 | 276 | 16 | $289,551 |
| USDA | 3 | 1 | 2 | $161,667 |
| FHA | 1 | 0 | 1 | $115,000 |
Top loan types — Mid America Bank
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Mid America Bank (LEI: 549300DOV2RLYPY10B52) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 263 | 220 | $306,825 |
| Refinancing | 67 | 33 | $280,224 |
| Home Improvement | 13 | 9 | $86,538 |
| Other | 11 | 9 | $133,182 |
| Cash-out Refinancing | 6 | 6 | $270,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 209 | 71.8% | 7.2% |
| Black or African American | 1 | 100.0% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 202 | 72.3% | 6.9% |
| Hispanic or Latino | 2 | 50.0% | 0.0% |
| Joint | 1 | 100.0% | 0.0% |
Nearby Lenders in MO
Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.
Mortgage Research Center
Columbia, MO
NBKC BANK
KANSAS CITY, MO
FLAT BRANCH MORTGAGE, INC.
COLUMBIA, MO
DAS ACQUISITION COMPANY, LLC
SAINT LOUIS, MO
THE CENTRAL TRUST BANK
JEFFERSON CITY, MO
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Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.