Applications / Mortgage Analytics / Lenders / Kansas / Mid America Bank
Baldwin City, KS · State non-member bank · FDIC · $549 million assets · 568 loans in 2025
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568
loans originated, 2025
615
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid America Bank is a Kansas purchase lender that ranked 1 of 222 lenders in Lawrence, Kansas, in 2025, though its share there fell.
It ranked 1 of 222 lenders in Lawrence, where it has lent since 2002, with a share of 8.6%, down 1.4 points from 10.0%. Northmarq Capital Finance ranks second. In a $693.1M market, a few large loans by other lenders could account for the fall. It ranked 20 of 236 in Topeka and 49 of 659 in Kansas City.
Home purchases were 62.7% of its lending and refinances 27.8%. Every loan was conventional. Its typical loan, $225,000, was larger than at about two-thirds of similar lenders (state non-member banks making between half and twice as many loans), where it was $185,000.
Its denial rate on first-lien home-purchase applications was 0.5%, against 5.2% at similar lenders, lower than nearly all of them.
Originations rose 7% to 568, near the middle of similar lenders, who grew 9%. It made 1,064 loans in 2020. It lent in 10 states in 2025, entering Boise City and Tucson.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid America Bank took 615 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.7% · Refinance 27.8% · Other 5.8% · Home improvement 3.5% · Not applicable 0.2%
Conventional 100.0% · of 568 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kansas | 524 | 92.3% |
| Missouri | 33 | 5.8% |
| Arkansas | 2 | 0.4% |
| Arizona | 2 | 0.4% |
| Wyoming | 2 | 0.4% |
| Colorado | 1 | 0.2% |
| Idaho | 1 | 0.2% |
| Minnesota | 1 | 0.2% |
| Oklahoma | 1 | 0.2% |
| Texas | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lawrence | 219 |
| Kansas City | 200 |
| Topeka | 60 |
| Manhattan | 3 |
| Wichita | 2 |
| Boise City | 1 |
| Denver-Aurora-Centennial | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Prescott Valley-Prescott | 1 |
| Tucson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300214PKB2Y1ZWH75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 919456 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317374 | 2002–2017 |
Established date not on record. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Mid America Bank's data.
Mid America Bank's data
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Mid America Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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