Lender in Illinois · HMDA 2025
First Mid Bank & Trust, N.A. mortgages in Illinois
First Mid Bank & Trust, N.A.'s 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
First Mid Bank & Trust, N.A. originated 677 owner-occupied single-family loans in Illinois from 795 completed applications.
Its median conventional purchase loan costs were $3,050 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.50% (Illinois: 6.625%).
Loans in IL
677
of 795 applications
Denial rate
11.6%
Purchase · IL 9.2%
Rate spread
+0.13 pts
Conv. · IL +0.27 pts
Loan amount
$165,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 673 | 592 | 11.6% | 6.500% | +0.13 pts | $3,050 | $165,000 |
| Refinance | 49 | 35 | 26.5% | — | +0.04 pts | $2,080 | $155,000 |
| Cash-out refinance | 73 | 50 | 30.1% | 6.750% | +0.47 pts | $2,190 | $145,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where First Mid Bank & Trust, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coles County | 1 | 65 | 17.6% |
| Winnebago County | 2 | 257 | 7.3% |
| Boone County | 3 | 36 | 5.4% |
| Clark County | 3 | 11 | 8.5% |
| Cumberland County | 3 | 7 | 12.1% |
| Edgar County | 4 | 12 | 7.8% |
| Moultrie County | 4 | 10 | 7.0% |
| Shelby County | 5 | 6 | 4.0% |
| Warren County | 6 | 5 | 4.0% |
| Edwards County | 6 | 2 | 7.1% |
| Knox County | 7 | 23 | 4.5% |
| Effingham County | 9 | 11 | 3.8% |
| White County | 9 | 4 | 3.2% |
| Saline County | 11 | 4 | 2.2% |
| Jefferson County | 12 | 7 | 2.6% |
| Ogle County | 13 | 17 | 2.5% |
| Douglas County | 13 | 5 | 2.2% |
| Bond County | 13 | 3 | 1.7% |
| Piatt County | 14 | 5 | 1.7% |
| Williamson County | 16 | 13 | 1.7% |
| Jackson County | 16 | 6 | 1.8% |
| Madison County | 17 | 67 | 1.7% |
| Stephenson County | 19 | 6 | 1.4% |
| Macon County | 20 | 15 | 1.2% |
| Jersey County | 23 | 3 | 1.0% |
| Wabash County | 23 | 1 | 1.3% |
| Adams County | 25 | 3 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology