First Mid Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
17th22.9% deniedPricingmedian rate spread over APOR, weight 30%
48th0.26 ptsProcesswithdrawn + incomplete share, weight 15%
77th11.2%Closing coststotal loan costs ÷ loan amount, weight 10%
41st2.53% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,417 | 968 | 20.3% | 22.6% | 7.38% | $229M |
| 2024 | 2,340 | 1,617 | 17.5% | 19.9% | 7.13% | $334M |
| 2025 | 2,369 | 1,610 | 20.3% | 22.9% | 6.88% | $408M |
What First Mid Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 854 home-equity lines, 0 reverse mortgages, 38 manufactured homes, 251 investment properties.
Why First Mid Bank & Trust denies applications
Primary reason reported for each of the 481 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Mid Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 396 | 198 | 43.8% |
| $50k – $100k | 883 | 607 | 22.8% |
| $100k – $150k | 471 | 339 | 16.4% |
| $150k – $250k | 308 | 242 | 12.2% |
| Over $250k | 149 | 102 | 20.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 136 | 84 | 20.6% |
| 25–34 | 519 | 373 | 19.4% |
| 35–44 | 415 | 285 | 22.0% |
| 45–54 | 404 | 266 | 27.1% |
| 55–64 | 403 | 264 | 27.7% |
| 65–74 | 270 | 172 | 25.3% |
| Over 74 | 98 | 68 | 23.6% |
Where First Mid Bank & Trust lends
15 states and 149 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Mid Bank & Trust denied 22.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 17th percentile of mid-size mortgage lenders.
The most common reason First Mid Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 35.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans First Mid Bank & Trust originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 50% of its applications were for home purchases, 17% for refinancing (including cash-out), and 32% for home improvement or other purposes. By loan type: 94% conventional, 4% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.