First Mid Bank & Trust in Illinois vs the state
20.2%Denial rate+3.10 pts vs state
22.7%Decision denial rate+1.01 pts vs state
68.5%Origination rate+9.75 pts vs state
6.88%Median rate+0.13 pts vs state
0.26Rate spread (pts)-0.12 pts vs state
$85kMedian applicant income
1,287Loans originated
380Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,130 | 788 | 19.5% | 7.25% | #65 |
| 2024 | 1,863 | 1,302 | 17.3% | 7.13% | #40 |
| 2025 | 1,879 | 1,287 | 20.2% | 6.88% | #45 |
What First Mid Bank & Trust lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most First Mid Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Winnebago County | 553 | 409 | 88 | 15.9% |
| Madison County | 198 | 129 | 46 | 23.2% |
| Coles County | 168 | 119 | 37 | 22.0% |
| Boone County | 136 | 98 | 26 | 19.1% |
| Champaign County | 76 | 50 | 16 | 21.1% |
| Macon County | 60 | 38 | 9 | 15.0% |
| Edgar County | 55 | 30 | 19 | 34.5% |
| Clark County | 54 | 36 | 14 | 25.9% |
| Knox County | 38 | 26 | 9 | 23.7% |
| Williamson County | 32 | 25 | 4 | 12.5% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 1,879 applications in 2025, of which 1,287 were originated and 380 denied.
20.2% of all applications, or 22.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans First Mid Bank & Trust originated in Illinois in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are First Mid Bank & Trust's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology