First Mid Bank & Trust in Missouri vs the state
20.0%Denial rate+4.93 pts vs state
23.2%Decision denial rate+4.52 pts vs state
64.9%Origination rate+2.24 pts vs state
6.88%Median rate+0.25 pts vs state
0.23Rate spread (pts)-0.12 pts vs state
$106kMedian applicant income
159Loans originated
49Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 232 | 148 | 22.8% | 7.63% | #138 |
| 2024 | 251 | 158 | 18.3% | 7.50% | #138 |
| 2025 | 245 | 159 | 20.0% | 6.88% | #160 |
What First Mid Bank & Trust lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most First Mid Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 41 | 22 | 11 | 26.8% |
| Boone County | 38 | 25 | 4 | 10.5% |
| Cole County | 32 | 22 | 6 | 18.8% |
| St. Charles County | 25 | 21 | 1 | 4.0% |
| St. Louis city | 24 | 14 | 5 | 20.8% |
| Lincoln County | 17 | 10 | 7 | 41.2% |
| Camden County | 13 | 9 | 4 | 30.8% |
| Franklin County | 13 | 8 | 4 | 30.8% |
| Jefferson County | 12 | 8 | 1 | 8.3% |
| Callaway County | 7 | 4 | 1 | 14.3% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 245 applications in 2025, of which 159 were originated and 49 denied.
20.0% of all applications, or 23.2% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans First Mid Bank & Trust originated in Missouri in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are First Mid Bank & Trust's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology