First Mid Bank & Trust, National Association mortgage approval rate & lending review
First Mid Bank & Trust, National Association decided 2,521 mortgage applications and funded 2,010 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Mid Bank & Trust, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Mid Bank & Trust, National Association at a glance
Approval is 2.4 points above the 78.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 1,110 / 1,251 | 98% | $175K | 1,093 |
| Home improvement loans | 64% | 388 / 610 | 98% | $45K | 381 |
| Cash-out refinance | 77% | 102 / 133 | 99% | $165K | 101 |
| Refinance | 78% | 174 / 223 | 99% | $105K | 173 |
| Investment property purchase | 88% | 164 / 186 | 99% | $115K | 162 |
| Investment cash-out refinance | 79% | 37 / 47 | 100% | $95K | 37 |
| Investment home improvement | 89% | 48 / 54 | 100% | $65K | 48 |
First Mid Bank & Trust, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 82% | $175K | 1,896 | 1,538 |
| Missouri | 77% | $195K | 295 | 222 |
| Wisconsin | 80% | $165K | 216 | 171 |
| Indiana | 74% | $155K | 38 | 27 |
| Texas | 54% | $255K | 37 | 19 |
| Florida | 82% | $355K | 22 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Mid Bank & Trust, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Winnebago County, IL | Mortgage lenders | 93% | 519 | 476 |
| Madison County, IL | Mortgage lenders | 87% | 220 | 188 |
| Madison County, IL | Home improvement loans | 78% | 141 | 108 |
| Rock County, WI | Mortgage lenders | 93% | 103 | 95 |
| Winnebago County, IL | Home improvement loans | 66% | 143 | 94 |
| Winnebago County, IL | Refinance | 82% | 85 | 69 |
| Winnebago County, IL | Investment property purchase | 92% | 72 | 65 |
| Champaign County, IL | Mortgage lenders | 86% | 56 | 48 |
| Boone County, MO | Mortgage lenders | 94% | 50 | 47 |
| Winnebago County, IL | Cash-out refinance | 82% | 55 | 45 |
| Madison County, IL | Refinance | 89% | 45 | 40 |
| Champaign County, IL | Home improvement loans | 75% | 51 | 37 |
The county markets where First Mid Bank & Trust, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about First Mid Bank & Trust, National Association
What is First Mid Bank & Trust, National Association's mortgage approval rate?
First Mid Bank & Trust, National Association approved 80.8% of the 2,521 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.4 points above the 78.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Mid Bank & Trust, National Association offers?
Borrowers accepted 99% of the loans First Mid Bank & Trust, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Mid Bank & Trust, National Association make?
The typical home purchase mortgage loan First Mid Bank & Trust, National Association made was $175K; across all loan types its typical loan ran from $45K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Mid Bank & Trust, National Association lend?
First Mid Bank & Trust, National Association decided applications in 16 of the states Fat Boy Data covers, most of them in Illinois, Missouri and Wisconsin.
Can I apply to First Mid Bank & Trust, National Association directly?
Yes. First Mid Bank & Trust, National Association is a bank or credit union with 87 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Mid Bank & Trust, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Mid Bank & Trust, National Association treats applications, then get a rate quote from the lender.