First Mid Bank & Trust in Indiana vs the state
24.4%Denial rate+7.82 pts vs state
27.8%Decision denial rate+7.64 pts vs state
63.4%Origination rate+1.16 pts vs state
7.50%Median rate+0.75 pts vs state
0.74Rate spread (pts)+0.37 pts vs state
$71kMedian applicant income
26Loans originated
10Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 19 | 21.4% | 7.63% | #393 |
| 2024 | 38 | 24 | 18.4% | 7.75% | #370 |
| 2025 | 41 | 26 | 24.4% | 7.50% | #373 |
What First Mid Bank & Trust lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most First Mid Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Parke County | 15 | 11 | 3 | 20.0% |
| Vigo County | 8 | 4 | 4 | 50.0% |
| Monroe County | 3 | 2 | 0 | 0.0% |
| Vermillion County | 3 | 2 | 1 | 33.3% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Vanderburgh County | 2 | 0 | 2 | 100.0% |
| Tippecanoe County | 1 | 0 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 41 applications in 2025, of which 26 were originated and 10 denied.
24.4% of all applications, or 27.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans First Mid Bank & Trust originated in Indiana in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are First Mid Bank & Trust's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology