# First Bankers Trust Company, National Association

> **Canonical URL:** https://saferate.com/lenders/first-bankers-trust-company-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Bankers Trust Company, National Association is a bank, headquartered in Quincy, IL, serving borrowers across 4 states, with 107 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549003SD8SH7JXN6S72
- **Headquarters:** Quincy, IL
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** IA, IL, MO, OH
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.132%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $757
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 107
- **Dollar Volume:** $14 million
- **Applications Received:** 137
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $135,374
- **Average Borrower Income:** $110,981
- **Average Property Value:** $194,065

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 102 | +0.112% | $738 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 80 loans, Score: 30/100 (Acceptable)
- Refinance: 22 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 85 | $12M | +0.088% | Acceptable 🙂 |
| Refinance | 30/100 | 22 | $2M | +0.297% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 98 | 0.08% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 101 | 62/100 |

## Frequently Asked Questions

### What loan types does First Bankers Trust Company, National Association offer?

First Bankers Trust Company, National Association offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Bankers Trust Company, National Association offer mortgages?

First Bankers Trust Company, National Association offers mortgages in 4 states: IA, IL, MO, OH.

### How competitive are First Bankers Trust Company, National Association's mortgage rates?

First Bankers Trust Company, National Association has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.132% above market average.

### What type of lender is First Bankers Trust Company, National Association?

First Bankers Trust Company, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Quincy, IL.

### What is First Bankers Trust Company, National Association's loan approval success rate?

First Bankers Trust Company, National Association has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-bankers-trust-company-national-association

### How to Cite

> "First Bankers Trust Company, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-bankers-trust-company-national-association

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