# First Mid Bank & Trust, National Association

> **Canonical URL:** https://saferate.com/lenders/first-mid-bank-trust-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 Mid Bank & Trust, National Association is a bank, headquartered in Mattoon, IL, serving borrowers across 13 states, with 901 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300XOTES5TCS8T794
- **Headquarters:** Mattoon, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, AZ, FL, IA, IL, IN, KY, MN, MO, NC, TN, TX, WI
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.171%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $859
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 901
- **Dollar Volume:** $169 million
- **Applications Received:** 1,233
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $187,342
- **Average Borrower Income:** $105,519
- **Average Property Value:** $246,853

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 825 | +0.152% | $852 | Strong 😀 |
| FHA | 61/100 | 37 | +0.859% | $1,047 | Strong 😀 |
| VA | 38/100 | 11 | -0.156% | $1,233 | Acceptable 🙂 |
| USDA | 78/100 | 27 | +0.055% | $636 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 732 loans, Score: 77/100 (Strong)
- Refinance: 93 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 35 loans, Score: 61/100 (Strong)

**USDA:**
- Purchase: 26 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 804 | $152M | +0.158% | Strong 😀 |
| Refinance | 67/100 | 97 | $17M | +0.269% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 741 | 0.59% | 86/100 |
| MO | 73 | 0.10% | 59/100 |
| WI | 62 | 0.09% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Rockford, IL | IL | 295 | 97/100 |
| Non |  | 287 | 68/100 |
| St. Louis, MO | MO-IL | 124 | 71/100 |
| Janesville | WI | 53 | 74/100 |
| Champaign | IL | 28 | 61/100 |
| Chicago | IL | 24 | 48/100 |
| Columbia, MO | MO | 17 | 50/100 |
| Jefferson City, MO | MO | 10 | 43/100 |

## Where This Lender Ranks

First Mid Bank & Trust, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Rockford, IL Banks
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks)
- 🥇 **#1** in Rockford, IL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Illinois for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Rockford, IL
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders)
- 🥈 **#2** in Rockford, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Janesville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Champaign Banks
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/banks)
- 🥈 **#2** in Champaign for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Rockford, IL for Conventional Loans
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Rockford, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Janesville Banks
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/banks)
- 🥉 **#3** in Jefferson City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jefferson-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Champaign
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders)
- 🏆 **#4** in Columbia, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Janesville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Illinois for USDA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in Rockford, IL for VA Loans
  - [View Full Rankings](https://saferate.com/rockford-il/best-mortgage-lenders/va-loans)
- 🏆 **#6** in Janesville
  - [View Full Rankings](https://saferate.com/janesville/best-mortgage-lenders)
- 🏆 **#6** in Champaign for Conventional Loans
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Columbia, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does First Mid Bank & Trust, National Association offer?

First Mid Bank & Trust, National Association offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Mid Bank & Trust, National Association offer mortgages?

First Mid Bank & Trust, National Association offers mortgages in 13 states: AL, AZ, FL, IA, IL, IN, KY, MN, MO, NC, TN, TX, WI.

### How competitive are First Mid Bank & Trust, National Association's mortgage rates?

First Mid Bank & Trust, National Association has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.171% above market average.

### What type of lender is First Mid Bank & Trust, National Association?

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

### What is First Mid Bank & Trust, National Association's loan approval success rate?

First Mid Bank & Trust, National Association has a pull-through score of 74/100 (Strong). 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-mid-bank-trust-national-association

### How to Cite

> "First Mid Bank & Trust, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-mid-bank-trust-national-association

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