About MidAmerica Bancorp, Inc.

Welcome to MidAmerica Bancorp, Inc.

We are excited to learn more about you. In the meantime, we want to tell you a little more about us.

MidAmerica Bancorp, Inc. offers a range of mortgages for first time and returning homebuyers with low down payment options. Products include FHA, VA, conventional, and jumbo mortgages. Programs for individuals with past bankruptcies, foreclosures, and credit issues are also available. We also offer programs allowing alternative income options.

Our company has been serving the Chicagoland area for more than 25 years. We hold Illinois Residential Mortgage License #: 203035 and Indiana Residential Mortgage Licensee # 203035.

We are conveniently located a mile east of the I-294 Expressway on Southwest Highway in Oak Lawn, Illinois.

Over the time we have been working with borrowers in this area, we have become experts in the local housing market and in every type of home buying situation. That means that no matter what obstacles you might face, we have the expertise and flexibility to match you with the lending product that will help you buy your dream home.

Our Story: A Message from
MidAmerica Bancorp, Inc.
President Richard Pikula

I started in the industry in May of 1999, working for a mortgage broker in Chicago. Then, after being in the industry for 8 years and at the start of the great recession, I decided to try my luck working for a big bank in February of 2008, and then another in August of 2008.

After 10 months and 2 different banks, I realized that the big banks did not offer as many programs or options or as competitive of rates as we did working for a brokerage. I wanted to be able to offer the very best to my clients. So, in December of 2008, I decided to start MidAmerica Bancorp, Inc. to be able to offer the best programs, rates, turn times, and customer service.

Why Work With MidAmerica Bancorp, Inc.?

Here are a few reasons to work with us on your next mortgage:

Our experience. With more than 25 years of experience in the local mortgage industry, chances are good we have helped a borrower with a situation similar to yours. That means we can rapidly match you with the right lending product for your needs. What if we haven’t? We will not rest until we have found you your ideal mortgage.

Our loan products. Our selection of mortgage products includes a diverse range of solutions ideal for homebuyers and investors. Whatever your needs, we are confident we have the right type of mortgage for you.

Our affordability. We offer low closing costs and competitive mortgage rates, saving you money now and over the years ahead.

Our commitment. We are dedicated problem-solvers. Nothing is more rewarding to us than helping borrowers to move past obstacles to get the keys to their dream homes.

Our flexibility. Whether you work as an employee or you are self-employed, we can help you buy a home quickly and easily. We even offer alternative loan programs for those with just one year in tax returns or other unique scenarios.

Our communication. We are here to answer your questions on every day of the week, including weekends. We also work in the evenings, ensuring you can get fast responses when you need them.

Our relationships. The relationship we build with you is one that will be there for you for the entirety of your mortgage term.

Our reach. Our service area includes the entire Chicago metropolitan region, the state of Illinois, and also Indiana and Florida. No matter where you are shopping for a home, we can help you buy it with an affordable loan.

Meet Our Team

Richard Pikula

President/Loan Originator
NMLS ID: 224000

Dariusz Atczylo

Loan Originator
NMLS ID: 227701

Daniel Zajaczkowski

Loan Originator
NMLS# 231983

Malgorzata Kapolka

Loan Originator
NMLS ID: 212932

Christopher Vinci

Loan Originator
NMLS ID: 1857758

Jolanta Nowakowski

Sales Manager

Iwona Huczek


Ludmila Kantor


Monika Krogulski


See What Our Clients Are Saying About Us!

Pawel Fonfara
Pawel Fonfara
01:04 16 Sep 21
Darek is a man with lots of knowledge, he is very patient and likes to work with people. I just closed my third deal with him.
19:35 19 Aug 21
Rich is amazing. His team goes above and beyond to get your deal closed.
Monika Budz
Monika Budz
02:38 02 Feb 21
Hasani Bandele
Hasani Bandele
17:09 29 Dec 20
I have worked with many mortgage brokers in the past, and this team is clearly one of the best. I know that they will handle my business fast and professionally!
Greg Landowski
Greg Landowski
14:11 23 Jan 20
Excellent and professional service as usual.