First Mid Bank and Trust, NA reported 1,879 applications for homes in Illinois in the HMDA data of 2025.
It originated 1,287 loans in the state in 2025, for $246 million in total.
The median interest rate of these loans in 2025 was 6.500%, and the median of all lenders in Illinois was 6.500%.
The median total loan costs in 2025 were $2,962, and the state median was $5,928.
It denied 22.7% of the applications that it decided in the state in 2025, and the state denial rate was 21.7%.
Filed figures of First Mid Bank and Trust, NA in Illinois, 2025
Figure
In IL
Lender, all states
IL, all lenders
Applications
1,879
2,369
395,939
Loans originated
1,287
1,610
232,591
Median interest rate
6.500%
6.500%
6.500%
Median total loan costs
$2,962
$2,936
$5,928
Denial rate
22.7%
22.9%
21.7%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of First Mid Bank and Trust, NA in Illinois, 2025Each value has the median of all lenders in Illinois under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in IL
715
6.500%IL 6.500%
$2,962IL $5,928
$900IL $1,640
$539IL $1,699
$94IL $550
0.198IL 0.290
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.198 percentage points above the average prime offer rate. On a loan of $300,000, that is about $594 more a year, or $50 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Illinois. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of First Mid Bank and Trust, NA were in Illinois in 2025?
1,287 of its loans originated, out of 1,610 in all states. That is 79.9%.
In which counties of Illinois did First Mid Bank and Trust, NA originate the most loans in 2025?
The three with the most loans were Winnebago County (409), Madison County (129) and Coles County (119).
Which loan types did First Mid Bank and Trust, NA originate in Illinois in 2025?
1,215 conventional, 47 FHA, 11 VA and 14 USDA.
How did the applications of First Mid Bank and Trust, NA in Illinois change from 2022 to 2025?
It reported 1,286 applications in 2022 and 1,879 in 2025.