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Unclaimed

Mid-America Bank

Bank•Baldwin City, KS•Direct

Mid America Bank has 298 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Strong
Conventional
Place
Strong
Multi-Region · 3 mkts
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

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Report Card

Mid-America Bank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+30.3 bps above market avg
Pull Through
Closing strength
Exceptional
Market Leader
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional4 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Strong
Exceptional
29699.3%
+0.298%Above
$789Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Strong
Strong
21873.2%
+0.309%Above
$912Fees
Refinance
Strong
Strong
Sound
Exceptional
8026.8%
+0.288%Above
$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
States Served
8
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Lawrence, KS, KSMSA
Volume: 137Mix: 45.97%of portfolio
Place
Exceptional
2
Kansas City, MO, MO-KSMSA
Volume: 90Mix: 30.20%of portfolio
Place
Strong
3
Topeka, KS, KSMSA
Volume: 40Mix: 13.42%of portfolio
Place
Strong

Top States by Place Specialization Score

1
KSState
Volume: 284Mix: 95.30%of portfolio
Place
Exceptional

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.