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Mortgage Broker Oak Lawn IL | Home Loans | MidAmerica Bancorp, Inc.

(708) 237-4050

About MidAmerica Bancorp, Inc.

FREE Mortgage Rate Quote

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 and also we have an Office at 4950 N Harlem Ave B Harwood Heights, IL 60706.

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

Terry D Ward

Loan Originator
NMLS ID: 314323

Jolanta Nowakowski

Sales Manager

Iwona Huczek

Processor

Ludmila Kantor

Processor

Monika Krogulski

Processor

See What Our Clients Are Saying About Us!

Excellent
MidAmerica Bancorp, Inc.5.0
Based on 96 reviews
See all reviews
review us on
Michal C.
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
Working with Richard at MidAmerica Bank was a great experience. Getting a mortgage when you are self employed can be difficult but Richard made it easy. His knowledge and expertise made the entire process seamless. I was able to close very quickly with no issues and I would highly recommend him and his team.
Matthew W.
Richard and Iwona were absolutely wonderful to work with when we purchased our home. It went seamlessly! My wife and I could not believe how easy they made the process of obtaining a home loan. We highly recommend Richard and MidAmerican!
greg B.
P C.
Great place for refinance!
Trimlight C.
Ive worked with Daniel Zajaczkowski and MidAmerica twice now. Great experience at the way through. I am working with them on a 3 transaction and ill be working with Daniel. Thanks guys for being a great team.
Eddy “Eddy M.
Seamless easy trustworthy, the best
Michael L.
Made a difficult process, smooth, and enjoyable.
Jose C.
Matt H.
Out standing, first time home buyer had no clue how to start. Daniel Zajackowski took care of all of it and made it stress free, highly recommend him!
Photo from customer review
Marek T.
Adam S.
Agnieszka L.
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
The entire process of getting a loan for my house was seamless and smooth! There were no surprises, the communication was open and clear, and everything was completed on time. I strongly recommend this service to everyone!
Stephanie F.
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
Marta
Robert is the best mortgage broker what I have ever met.
Paulina K.
Great Team ! It was pleasure to work with Richard Pikula and Iwona . Very professional, detailed and prompt team . Found the program and rate that works for me and made whole process very smooth . I am recommending them 100% if you are looking to get a loan .
Iwona W.
Daniel Zajączkowski and his team were extremely helpful, knowledgeable and professional throughout the entire mortgage process. We knew we could call him anytime and he would be available to answer our questions. I highly recommend him and his team at MidAmerica Bancorp, Inc. 🤩
Malgorzata W.
I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.
Lukasz N.
Richard was great to work with. He is extremely knowledgeable and was able to answer all our our questions along the way. He was always available for a call. It made the mortgage process that much easier. Will certainly be doing business with him again.
Patrick B.
Working with Mr. Daniel Zajaczkowski was a game changer for us. After a frustrating experience with a previous agent, he stepped in and made the entire process seamless and stress free. From the start, he gave us confidence that we were in the best hands. He was always available to answer our questions, stayed on top of every detail, and ensured everything was handled with precision. Thanks to his expertise, we secured a great deal, $250 less per month than what we were initially offered by someone else! His dedication and exceptional service exceeded all our expectations.
Maciej W.
Great people to work with. Highly recommended!
Syed H.
Kirllos S.
Michal C.
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
Working with Richard at MidAmerica Bank was a great experience. Getting a mortgage when you are self employed can be difficult but Richard made it easy. His knowledge and expertise made the entire process seamless. I was able to close very quickly with no issues and I would highly recommend him and his team.
Matthew W.
Richard and Iwona were absolutely wonderful to work with when we purchased our home. It went seamlessly! My wife and I could not believe how easy they made the process of obtaining a home loan. We highly recommend Richard and MidAmerican!
greg B.
P C.
Great place for refinance!
Trimlight C.
Ive worked with Daniel Zajaczkowski and MidAmerica twice now. Great experience at the way through. I am working with them on a 3 transaction and ill be working with Daniel. Thanks guys for being a great team.
Eddy “Eddy M.
Seamless easy trustworthy, the best
Michael L.
Made a difficult process, smooth, and enjoyable.
Jose C.
Matt H.
Out standing, first time home buyer had no clue how to start. Daniel Zajackowski took care of all of it and made it stress free, highly recommend him!
Photo from customer review
Marek T.
Adam S.
Agnieszka L.
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
The entire process of getting a loan for my house was seamless and smooth! There were no surprises, the communication was open and clear, and everything was completed on time. I strongly recommend this service to everyone!
Stephanie F.
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
Marta
Robert is the best mortgage broker what I have ever met.
Paulina K.
Great Team ! It was pleasure to work with Richard Pikula and Iwona . Very professional, detailed and prompt team . Found the program and rate that works for me and made whole process very smooth . I am recommending them 100% if you are looking to get a loan .
Iwona W.
Daniel Zajączkowski and his team were extremely helpful, knowledgeable and professional throughout the entire mortgage process. We knew we could call him anytime and he would be available to answer our questions. I highly recommend him and his team at MidAmerica Bancorp, Inc. 🤩
Malgorzata W.
I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.
Lukasz N.
Richard was great to work with. He is extremely knowledgeable and was able to answer all our our questions along the way. He was always available for a call. It made the mortgage process that much easier. Will certainly be doing business with him again.
Patrick B.
Working with Mr. Daniel Zajaczkowski was a game changer for us. After a frustrating experience with a previous agent, he stepped in and made the entire process seamless and stress free. From the start, he gave us confidence that we were in the best hands. He was always available to answer our questions, stayed on top of every detail, and ensured everything was handled with precision. Thanks to his expertise, we secured a great deal, $250 less per month than what we were initially offered by someone else! His dedication and exceptional service exceeded all our expectations.
Maciej W.
Great people to work with. Highly recommended!
Syed H.
Kirllos S.
Michal C.
Margaret was responsive, informative and assisted us from start to finish. Highly recommend ModAmerica for a stress free home buying experience.
Mariam R.
Working with Richard at MidAmerica Bank was a great experience. Getting a mortgage when you are self employed can be difficult but Richard made it easy. His knowledge and expertise made the entire process seamless. I was able to close very quickly with no issues and I would highly recommend him and his team.
Matthew W.
Richard and Iwona were absolutely wonderful to work with when we purchased our home. It went seamlessly! My wife and I could not believe how easy they made the process of obtaining a home loan. We highly recommend Richard and MidAmerican!
greg B.
P C.
Great place for refinance!
Trimlight C.
Ive worked with Daniel Zajaczkowski and MidAmerica twice now. Great experience at the way through. I am working with them on a 3 transaction and ill be working with Daniel. Thanks guys for being a great team.
Eddy “Eddy M.
Seamless easy trustworthy, the best
Michael L.
Made a difficult process, smooth, and enjoyable.
Jose C.
Matt H.
Out standing, first time home buyer had no clue how to start. Daniel Zajackowski took care of all of it and made it stress free, highly recommend him!
Photo from customer review
Marek T.
Adam S.
Agnieszka L.
Bardzo profesjonalne podejście do klienta. Polecam w 100%.
Gizela
The entire process of getting a loan for my house was seamless and smooth! There were no surprises, the communication was open and clear, and everything was completed on time. I strongly recommend this service to everyone!
Stephanie F.
Helpful, patient, knowledgeable and got us the loan!
jeannette B.
Marta
Robert is the best mortgage broker what I have ever met.
Paulina K.
Great Team ! It was pleasure to work with Richard Pikula and Iwona . Very professional, detailed and prompt team . Found the program and rate that works for me and made whole process very smooth . I am recommending them 100% if you are looking to get a loan .
Iwona W.
Daniel Zajączkowski and his team were extremely helpful, knowledgeable and professional throughout the entire mortgage process. We knew we could call him anytime and he would be available to answer our questions. I highly recommend him and his team at MidAmerica Bancorp, Inc. 🤩
Malgorzata W.
I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.
Lukasz N.
Richard was great to work with. He is extremely knowledgeable and was able to answer all our our questions along the way. He was always available for a call. It made the mortgage process that much easier. Will certainly be doing business with him again.
Patrick B.
Working with Mr. Daniel Zajaczkowski was a game changer for us. After a frustrating experience with a previous agent, he stepped in and made the entire process seamless and stress free. From the start, he gave us confidence that we were in the best hands. He was always available to answer our questions, stayed on top of every detail, and ensured everything was handled with precision. Thanks to his expertise, we secured a great deal, $250 less per month than what we were initially offered by someone else! His dedication and exceptional service exceeded all our expectations.
Maciej W.
Great people to work with. Highly recommended!
Syed H.
Kirllos S.