Applications / Mortgage Analytics / Lenders / Illinois / MidAmerica National Bank
Canton, IL · National bank · OCC · $640 million assets · 123 loans in 2025
MidAmerica National Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
123
loans originated, 2025
206
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MidAmerica National Bank makes small loans, and it lends to low- and moderate-income borrowers far more often than similar banks, though its loans fell 16% in 2025.
Low- and moderate-income (LMI) borrowers took 44.4% of its loans, against 24.2% at similar banks (national banks making between half and twice as many loans), more than at about nine in ten of them. Its typical loan, $105,000, was among the lowest tenth, against $185,000 at similar banks. Small loans fit lending to lower-income borrowers.
LMI areas took 8.9% of its loans, against 15.7% at similar banks and 30.2% for the bank itself in 2020. Its share in majority-minority areas was 2.4%, against 7.7%. The non-metro Illinois and Peoria markets it serves, and a shift in where it has lent since 2020, are possible reasons.
It made 123 loans, down from 146, while similar banks grew 4% and the whole market 10%. Purchases make up 70.7% of its loans. Fewer applications in its markets, or a choice to lend less, could explain the fall.
It ranks 91 of 289 lenders in Peoria, where its share fell to 0.1% from 0.3%, in line with its lower volume. Citizens Equity First Credit Union leads. In 2025 it first lent in Orlando-Kissimmee-Sanford.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MidAmerica National Bank took 206 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.7% · Refinance 17.1% · Home improvement 8.9% · Other 3.3%
Conventional 100.0% · of 123 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 |
|---|---|---|
| Illinois | 118 | 95.9% |
| Iowa | 2 | 1.6% |
| Arizona | 1 | 0.8% |
| Florida | 1 | 0.8% |
| Missouri | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Peoria | 9 |
| Chicago-Naperville-Schaumburg | 2 |
| Bloomington | 1 |
| Davenport-Moline-Rock Island | 1 |
| Dubuque | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z4ZK628DTL4L52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 510938 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113838 | 2000–2007 |
Established 22 November 1933. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: MidAmerica National Bank's data.
MidAmerica National Bank's data
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MidAmerica National 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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