We analyzed every closed loan from First Mid Bank & Trust — 901 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and USDA loans
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Report Card
First Mid Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Acceptable
Bottom 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 825 | 91.6% | +0.152%Above | $852Fees | ||||
FHA Loans | 37 | 4.1% | +0.859%Above | $1,047Fees | ||||
VA Loans | — | — | 11 | 1.2% | -0.156%Below | $1,233Fees | ||
USDA Loans | — | 27 | 3.0% | +0.055%Above | $636Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume825
Mix91.6%
Spread
+0.152%Above
Fees
$852Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume37
Mix4.1%
Spread
+0.859%Above
Fees
$1,047Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix1.2%
Spread
-0.156%Below
Fees
$1,233Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume27
Mix3.0%
Spread
+0.055%Above
Fees
$636Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 804 | 89.2% | +0.158%Above | $855Fees | ||||
Refinance | 97 | 10.8% | +0.269%Above | $885Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume804
Mix89.2%
Spread
+0.158%Above
Fees
$855Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume97
Mix10.8%
Spread
+0.269%Above
Fees
$885Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
901
Applications
1,233
Volume
$168 million
Pricing & Closing
Avg Rate Spread
+0.171%
vs. market APOR
Avg Net Fees
$859
Origination − Credits
Pullthrough Rate
73.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$187,342
Avg Borrower Income
$105,519
Avg Property Value
$246,853
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Midwest6
IAILINMNMOWI
South6
ALFLKYNCTNTX
West1
AZ
Top Metro Areas by Place Specialization Score
Volume 295Mix 32.74% of portfolio
97/100
Exceptional
Volume 53Mix 5.88% of portfolio
74/100
Strong
Volume 124Mix 13.76% of portfolio
71/100
Strong
Volume 28Mix 3.11% of portfolio
61/100
Strong
Volume 17Mix 1.89% of portfolio
50/100
Sound
Volume 24Mix 2.66% of portfolio
48/100
Sound
Volume 10Mix 1.11% of portfolio
43/100
SoundTop States by Place Specialization Score
1
IllinoisState
Volume 741Mix 82.24% of portfolio
86/100
Exceptional2
MissouriState
Volume 73Mix 8.10% of portfolio
59/100
Sound3
WisconsinState
Volume 62Mix 6.88% of portfolio
59/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.