Blog

December 2, 2022

What Is the Best Debt-to-Income Ratio to Have for a Mortgage?

Debt-to-income ratio is a critical factor that lenders use to determine your ability to afford a mortgage. This ratio is

Mortgage Illinois, Mortgage Tips, Oak Lawn

November 24, 2022

Here’s Why You Should Buy a Home & Move to Chicago

Richard Pikula

Buying a house and settling down is a big step and a significant investment for many people. If you’re planning

Buy A Home Illinois, Oak Lawn, Tips To Buy a Home

November 21, 2022

What Is a Jumbo Loan, and How Do You Qualify for One?

Richard Pikula

If you’re in the market for a new home and you don’t want to compromise on space, you may be

Jumbo Illinois, Jumbo Loan Tips, Oak Lawn

See What Our Clients Are Saying About Us!

MidAmerica Bancorp, Inc.

5.0

Based on 93 reviews

Write a review

greg barszcz

02:17 12 Mar 26

P Cz

00:17 03 Mar 26

Great place for refinance!

Trimlight Chicago

03:43 13 Feb 26

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.

Michael Ligas

00:57 02 Dec 25

Made a difficult process, smooth, and enjoyable.

Jose Campos

20:42 01 Dec 25

Matt Hylka

19:43 01 Dec 25

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!

Marek Truchan

19:37 24 Nov 25

Adam sza

15:35 18 Nov 25

Agnieszka Laczek

19:39 17 Nov 25

Bardzo profesjonalne podejście do klienta. Polecam w 100%.

Gizela

13:45 11 Nov 25

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 Fellerath

18:01 14 Aug 25

Helpful, patient, knowledgeable and got us the loan!

jeannette bruno

22:30 20 May 25

Marta

15:25 14 May 25

Robert is the best mortgage broker what I have ever met.

Paulina Kozlowski

22:33 03 Apr 25

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 Wypych

15:40 02 Apr 25

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 Wrobel

00:31 27 Feb 25

I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.

Lukasz Nowak

14:01 06 Feb 25

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 Baran

22:02 27 Dec 24

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 Wrobel

17:09 27 Dec 24

Great people to work with. Highly recommended!

03:38 05 Dec 24

17:18 20 Nov 24

16:36 07 Oct 24

02:56 06 Sep 24

We had an excellent experience working with Richard and Luda during our recent home loan process. From start to finish, they kept us informed at every step. Their professionalism and responsiveness made the entire process smooth, and they were able to accommodate our needs for a quick closing date.Richard secured us a fantastic loan rate, which was significantly better than what our initial lender could offer. Our original lender admitted that he "could not get anywhere close to [Richard's] rates."Our attorney was also impressed with how quickly and smoothly our closing day went, thanks to the work of Richard and Luda.Thank you both and the team at MidAmerica Bancorp for everything!

Joanna Dulian

18:24 15 Aug 24

I had a great experience working with Richard Pikul and his staff during my recent home purchase. From the very beginning, Richard made the mortgage process clear and stress-free, walking me through every step with expertise and patience. Richard was always available to answer my questions, provide guidance, and ensure that I understood all my options. I would highly recommend Richard to anyone in need of mortgage services.

Rafal Bukowski

13:40 09 Aug 24

Rich Pikula is great to work with!Very responsive and answered all my questions making the loan process quick and easy.

Joyce Yoon

18:30 07 Aug 24

Margaret was incredible to work with, she was very responsive and always keeping a look out for our best interests. She helped us get the lowest interest rate possible in this non-buyer-friendly climate. We will recommend her to all our friends and recommend her to you too!

Julia Stasik

22:46 31 Jul 24

Kathy Malik

21:37 31 Jul 24

Richard and his team are amazing and hard working . They are very determined to help with closing process. I was always in communication with them and knew they cared about helping me get my first home . I highly recommend them.

Lukasz Polkowski

18:11 31 Jul 24

MARIUSZ JEROMINSKI

18:03 29 Jul 24

I am very pleased to be working with Richard and his MidAmerica Bancrop team. They are very well-coordinated and professional. They handled my case quickly and without any problems. I will recommend them to everyone. Great team!

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Contact

MidAmerica Bancorp, Inc.
9720 SW Hwy
Oak Lawn, IL 60453
(708) 237-4050
Find us on Google

4950 N Harlem Ave B
Harwood Heights, IL 60706
(708) 237-4052
Find us on Google
NMLS ID: 203035

State Licenses/Registrations:
Florida
Illinois
Indiana
Michigan - dba MidAmerica Home Loans
Tennessee
Wisconsin
www.nmlsconsumeraccess.org

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MidAmerica Bancorp, Inc. is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

greg barszcz

02:17 12 Mar 26

Trimlight Chicago

03:43 13 Feb 26

Michael Ligas

00:57 02 Dec 25

Made a difficult process, smooth, and enjoyable.

Jose Campos

20:42 01 Dec 25

Matt Hylka

19:43 01 Dec 25

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!

Marek Truchan

19:37 24 Nov 25

Adam sza

15:35 18 Nov 25

Agnieszka Laczek

19:39 17 Nov 25

Bardzo profesjonalne podejście do klienta. Polecam w 100%.

Gizela

13:45 11 Nov 25

Stephanie Fellerath

18:01 14 Aug 25

Helpful, patient, knowledgeable and got us the loan!

jeannette bruno

22:30 20 May 25

Marta

15:25 14 May 25

Robert is the best mortgage broker what I have ever met.

Paulina Kozlowski

22:33 03 Apr 25

Iwona Wypych

15:40 02 Apr 25

Malgorzata Wrobel

00:31 27 Feb 25

I was highly satisfied with MidAmerica Bancorp, and they provided perfect service with quickness and efficiency.

Lukasz Nowak

14:01 06 Feb 25

Patrick Baran

22:02 27 Dec 24

Maciej Wrobel

17:09 27 Dec 24

Great people to work with. Highly recommended!

03:38 05 Dec 24

17:18 20 Nov 24

16:36 07 Oct 24

02:56 06 Sep 24

18:24 15 Aug 24

13:40 09 Aug 24

Rich Pikula is great to work with!Very responsive and answered all my questions making the loan process quick and easy.

18:30 07 Aug 24

22:46 31 Jul 24

21:37 31 Jul 24

18:11 31 Jul 24

18:03 29 Jul 24

Dorota - Jarek Jozwiak

17:14 08 Jun 24

Tom Mikowski

10:50 07 Jun 24

Matt

16:45 23 May 24

My fiance and I worked with Richard Pikula and Luda Kantor. The whole loan process was pretty straight forward. We scheduled a meeting with Richard before searching for any houses and he laid out what we could afford. After deciding on a house, he explained what documents were needed and the loan process began. Besides a request for additional documents twice there really were no other hiccups. We ended up closing on time. We couldn't be happier with the whole process.

Zbigniew Prokop (Ziggy)

02:41 07 May 24

Thank you very much for professionalism , patience ,professional advice commitment and nice service.

hDariusz Broda

21:32 06 May 24

christine toczek

21:28 18 Mar 24

Dan and Luda were efficient and communicative regarding our new purchase transaction.Thank you always for your help!

Casandra Bennett

02:40 14 Mar 24

Leeza Bodnar

18:09 09 Jan 24

My experience with MidAmerican Bancorp, Inc. was nothing but amazing! My mom and I worked with Daniel and his team to close my condo in Oak Forest and everything went smoothly. I highly recommend working with MidAmerica and Daniel for any of your real estate transactions!

Klaudia Laskowski

02:31 21 Nov 23

I highly recommend Darek Atczylo. He is very knowledgeable, efficient and reliable. Darek answered all of my questions and took the time in explaining everything. Thank you again Darek for all your hard work!

Beata Bobek

15:08 11 Oct 23

They arranged the loan very professionally and quickly and made my dreams come true. Truly recommendable.

Teddy Williams

17:40 23 Aug 23

The team that worked with us was great and very knowledgeable about every aspect of the loan process

Sthanu Ramakrishnan

04:44 15 Aug 23

Joanna

18:33 07 Aug 23

Kamila Lenart

17:22 31 Jul 23

Another great experience working with Daniel. This is our 3rd time working with him.Thank you for all your help.

dagmara hatlas

00:10 29 Jul 23

Richard Pikula and his team are amazing and make the process of getting a house loan smooth, fast and easy!! Great service and amazing support, I recommend them 100%

Joanna Lowisz

00:16 27 Jul 23

Daniel and his team are amazing! Quick and easy closing.Daniel answered all my silly questions. First time buyer here! Will be back in the future :)

Jennifer Smith

16:38 22 Jul 23

A W

19:52 21 Jul 23

Margaret is very knowledgeable and helpful person. It was a fantastic experience working with her. She went above and beyond to help my American dream to come true.

Nina Brunhoefer

16:35 21 Jul 23

kinga kras

16:01 21 Mar 23

Professional and reliable agency, fully communicative employees, I recommend MidAmerica Bancorp Inc with a score of 10/10

Aneta Cz

18:36 07 Mar 23

Recently I had the pleasure of working with the wonderful and highly professional team at MidAmerican Bancorp,Inc. I can honestly say it was the best experience I’ve had when purchasing a home because the team was working with high accuracy and managed to be on top of my loan. I highly recommend MidAmerica Bancorp to anyone who is looking for a sold loan without worry and headache.

Kayla Doody

01:35 26 Feb 23

Paul Duda

16:37 14 Feb 23

Great service, great support, very responsive team. We will definitely be using MidAmerica for our next purchase. Thank you!

Lukasz Kosor

02:29 29 Dec 22

Best place in whole MidwestThank you for everything and look forward to future transactions

Joanna Horbal

05:07 16 Dec 22

Greg Mucha

16:50 15 Dec 22

Rich and his team have always outperformed the competition.

Anna Budz

21:27 09 Dec 22

Maria Micek

03:11 01 Dec 22

Lou Gmiterek

18:45 29 Nov 22

Margaret Kopalka is a great agent, very profecional, very helpfull and somone you can count on. Quick to respond and gives the right advice.

Dominika Maj

03:55 10 Nov 22

I can’t recommend Richard Pikula and his team enough. They made the entire process easy, stress free and enjoyable. Richard and Iwona delivered a very fast closing date, we’re on top of everything, and communicated every step of the way. Thank you for everything and look forward to future transactions !

Oseas Ramos

16:02 03 Nov 22

Kathy Kos

16:26 06 Oct 22

My recent purchase transaction experience with Richard Pikula and his team was excellent! They are a great team. Very professional, focus on important items, try to keep the process as easy as possible. This is my 3rd time using this team and I would strongly recommend them to anyone.

Saleem Tahir

17:21 29 Sep 22

Both Richard and his team was wonderful to work with. Especially, Iwona was just awesome. She made me aware of every step of the process. Overall, had a great experience.

MARCIN KROZEL

19:39 06 Sep 22

I was working with Darek Atczylo. Best experience ever. Smooth and excellent process.Thank you Darek

RAFAELLO CHOWA

17:55 27 Jul 22

My loan officer was Darek Atczylo and he made the loan process very smooth and easy. Best experience ever. Thank you Darek for all your hard work !

20:18 18 Jul 22

20:01 18 Jul 22

21:18 17 Jun 22

20:07 08 Jun 22

18:30 05 Jun 22

Chris was on top of the process the entire way. Made the whole process effortless , even when the underwriter kept asking for more and more documentation. Always replied back within minutes when message was left.

Wojtek S

13:53 16 May 22

Mateusz Cichowicz

21:12 16 Mar 22

Jolanta was amazing! Very professional and helpful.

Artur Soltys

17:04 11 Mar 22

Hailey L

16:56 27 Jan 22

They did absolutely amazing I wouldn’t have been able to get my house if it wasn’t for them. I will forever be thankful for this amazing team!!

Ursula Marszalik

19:24 04 Jan 22

Rich Kiel

15:40 04 Jan 22

I have worked with MidAmerica Bancorp for many years now. However, this time the people at MidAmerica Bancorp made my refinancing one of the MOST Smoothest and Pain Free process that I have ever experienced. Everything was so extremely automated. The title company even came to my house for the final closing. I never once had to leave my house. I would recommend MidAmerica Bancorp to everyone.

barbara graca

02:03 25 Nov 21

Michelle Wojtowicz

01:46 20 Nov 21

Dan was Super helpful and answered all my questions and I had a million! Would totally recommend working with him.

Aneta Marek

04:03 19 Nov 21

CC Restore

02:21 18 Nov 21

Darek is the best in what he does. Highly recommended

Zdzislaw Oleksy

00:46 18 Nov 21

Mariusz Zeman

18:34 12 Nov 21

Grzegorz Kroch

02:23 11 Nov 21

Fast and very competent service. Great at what they do. Will definitely use their service when in need. Greatly recommended.Szybka i bardzo kompetentna obsługa. Wspaniali w tym czym się zajmują. Z całą pewnością wybiorę ich usługi w przyszłości. Serdecznie polecam.

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

02:38 02 Feb 21

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

14:11 23 Jan 20

Excellent and professional service as usual.