First Mid Bank & Trust, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Mid Bank & Trust, National Association 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Mid Bank & Trust, National Association 1515 Charleston Ave, Po Box 499 Mattoon, IL 61938 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,018 |
| Total Mortgage Loan Application Amount | $433,090,000 |
| Average Mortgage Loan Application Amount | $185,166 |
| Highest Mortgage Loan Application Amount | $20,005,000 |
| Average Applicant Income | $77,666 |
| Highest Applicant Income | $4,207,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with First Mid Bank & Trust, National Association. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Mid Bank & Trust, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down First Mid Bank & Trust, National Association's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Mid Bank & Trust, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by First Mid Bank & Trust, National Association, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Mid Bank & Trust, National Association's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison County Illinois | 376 | $ 65,150,000 | $ 173,000 | $ 105,000 |
| Coles County Illinois | 174 | $ 18,280,000 | $ 105,000 | $ 84,000 |
| St. Louis County Missouri | 105 | $ 39,005,000 | $ 371,000 | $ 195,000 |
| Knox County Illinois | 103 | $ 9,235,000 | $ 89,000 | $ 59,000 |
| Champaign County Illinois | 96 | $ 49,350,000 | $ 514,000 | $ 125,000 |
| Macon County Illinois | 72 | $ 19,910,000 | $ 276,000 | $ 97,000 |
| Douglas County Illinois | 66 | $ 6,770,000 | $ 102,000 | $ 72,000 |
| Clark County Illinois | 64 | $ 6,660,000 | $ 104,000 | $ 78,000 |
| Moultrie County Illinois | 53 | $ 5,995,000 | $ 113,000 | $ 78,000 |
| Williamson County Illinois | 53 | $ 6,965,000 | $ 131,000 | $ 99,000 |
| Edgar County Illinois | 52 | $ 4,010,000 | $ 77,000 | $ 68,000 |
| St. Clair County Illinois | 46 | $ 6,560,000 | $ 142,000 | $ 105,000 |
| Jefferson County Illinois | 43 | $ 5,185,000 | $ 120,000 | $ 91,000 |
| Peoria County Illinois | 42 | $ 6,590,000 | $ 156,000 | $ 136,000 |
| Boone County Missouri | 39 | $ 10,235,000 | $ 262,000 | $ 206,000 |
| Clinton County Illinois | 37 | $ 6,255,000 | $ 169,000 | $ 81,000 |
| Jackson County Illinois | 37 | $ 3,335,000 | $ 90,000 | $ 78,000 |
| St. Louis City County Missouri | 33 | $ 14,665,000 | $ 444,000 | $ 91,000 |
| Piatt County Illinois | 29 | $ 4,075,000 | $ 140,000 | $ 109,000 |
| Effingham County Illinois | 25 | $ 3,315,000 | $ 132,000 | $ 64,000 |
| Adams County Illinois | 24 | $ 3,230,000 | $ 134,000 | $ 69,000 |
| Parke County Indiana | 24 | $ 4,520,000 | $ 188,000 | $ 64,000 |
| St. Charles County Missouri | 24 | $ 4,980,000 | $ 207,000 | $ 94,000 |
| Camden County Missouri | 22 | $ 5,160,000 | $ 234,000 | $ 141,000 |
| Wabash County Illinois | 18 | $ 1,520,000 | $ 84,000 | $ 60,000 |
| Cumberland County Illinois | 17 | $ 2,275,000 | $ 133,000 | $ 75,000 |
| Cole County Missouri | 17 | $ 2,805,000 | $ 165,000 | $ 93,000 |
| Lincoln County Missouri | 16 | $ 4,650,000 | $ 290,000 | $ 47,000 |
| Bond County Illinois | 15 | $ 2,285,000 | $ 152,000 | $ 84,000 |
| Macoupin County Illinois | 15 | $ 2,175,000 | $ 145,000 | $ 75,000 |
| Tazewell County Illinois | 14 | $ 2,200,000 | $ 157,000 | $ 118,000 |
| Christian County Illinois | 13 | $ 1,735,000 | $ 133,000 | $ 75,000 |
| Franklin County Illinois | 12 | $ 1,120,000 | $ 93,000 | $ 63,000 |
| Shelby County Illinois | 12 | $ 1,340,000 | $ 111,000 | $ 75,000 |
| Saline County Illinois | 10 | $ 700,000 | $ 70,000 | $ 53,000 |
| Warren County Illinois | 10 | $ 950,000 | $ 95,000 | $ 56,000 |
| Hendricks County Indiana | 9 | $ 3,065,000 | $ 340,000 | $ 220,000 |
| De Witt County Illinois | 7 | $ 855,000 | $ 122,000 | $ 72,000 |
| Jersey County Illinois | 7 | $ 1,415,000 | $ 202,000 | $ 172,000 |
| McLean County Illinois | 7 | $ 1,485,000 | $ 212,000 | $ 72,000 |
| White County Illinois | 7 | $ 945,000 | $ 135,000 | $ 71,000 |
| Vermillion County Indiana | 7 | $ 765,000 | $ 109,000 | $ 82,000 |
| Lawrence County Illinois | 6 | $ 420,000 | $ 70,000 | $ 53,000 |
| Vermilion County Illinois | 6 | $ 740,000 | $ 123,000 | $ 65,000 |
| Vigo County Indiana | 6 | $ 750,000 | $ 125,000 | $ 71,000 |
| Callaway County Missouri | 6 | $ 810,000 | $ 135,000 | $ 82,000 |
| Lee County Florida | 5 | $ 2,295,000 | $ 459,000 | $ 346,000 |
| Montgomery County Illinois | 5 | $ 535,000 | $ 107,000 | $ 69,000 |
| Sangamon County Illinois | 5 | $ 485,000 | $ 97,000 | $ 77,000 |
| Dallas County Texas | 5 | $ 2,925,000 | $ 585,000 | $ 286,000 |
| Crawford County Illinois | 4 | $ 200,000 | $ 50,000 | $ 61,000 |
| Jefferson County Missouri | 4 | $ 1,370,000 | $ 342,000 | $ 91,000 |
| Pinellas County Florida | 3 | $ 745,000 | $ 248,000 | $ 164,000 |
| Hardin County Illinois | 3 | $ 265,000 | $ 88,000 | $ 110,000 |
| Johnson County Illinois | 3 | $ 455,000 | $ 151,000 | $ 94,000 |
| Massac County Illinois | 3 | $ 445,000 | $ 148,000 | $ 120,000 |
| Pope County Illinois | 3 | $ 295,000 | $ 98,000 | $ 85,000 |
| Will County Illinois | 3 | $ 605,000 | $ 201,000 | $ 118,000 |
| Greene County Missouri | 3 | $ 17,845,000 | $ 5,948,000 | $ 38,000 |
| Macon County Missouri | 3 | $ 315,000 | $ 105,000 | $ 47,000 |
| Tarrant County Texas | 3 | $ 5,645,000 | $ 1,881,000 | $ 150,000 |
| Charlotte County Florida | 2 | $ 950,000 | $ 475,000 | $ 100,000 |
| Okaloosa County Florida | 2 | $ 2,940,000 | $ 1,470,000 | $ 0 |
| Clay County Illinois | 2 | $ 150,000 | $ 75,000 | $ 31,000 |
| Cook County Illinois | 2 | $ 800,000 | $ 400,000 | $ 825,000 |
| Fayette County Illinois | 2 | $ 360,000 | $ 180,000 | $ 90,000 |
| Greene County Illinois | 2 | $ 600,000 | $ 300,000 | $ 212,000 |
| Hamilton County Illinois | 2 | $ 270,000 | $ 135,000 | $ 70,000 |
| Hancock County Illinois | 2 | $ 110,000 | $ 55,000 | $ 68,000 |
| Henry County Illinois | 2 | $ 150,000 | $ 75,000 | $ 55,000 |
| Iroquois County Illinois | 2 | $ 200,000 | $ 100,000 | $ 47,000 |
| Mercer County Illinois | 2 | $ 150,000 | $ 75,000 | $ 62,000 |
| Perry County Illinois | 2 | $ 230,000 | $ 115,000 | $ 61,000 |
| Cass County Indiana | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Marion County Indiana | 2 | $ 650,000 | $ 325,000 | $ 0 |
| Benton County Missouri | 2 | $ 200,000 | $ 100,000 | $ 52,000 |
| Miller County Missouri | 2 | $ 490,000 | $ 245,000 | $ 109,000 |
| Maricopa County Arizona | 1 | $ 495,000 | $ 495,000 | $ 988,000 |
| Pope County Arkansas | 1 | $ 5,245,000 | $ 5,245,000 | $ 0 |
| Park County Colorado | 1 | $ 345,000 | $ 345,000 | $ 37,000 |
| Summit County Colorado | 1 | $ 655,000 | $ 655,000 | $ 535,000 |
| Collier County Florida | 1 | $ 245,000 | $ 245,000 | $ 114,000 |
| Hillsborough County Florida | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Lake County Florida | 1 | $ 20,005,000 | $ 20,005,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 3,575,000 | $ 3,575,000 | $ 4,207,000 |
| Pasco County Florida | 1 | $ 475,000 | $ 475,000 | $ 332,000 |
| Polk County Florida | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Walton County Florida | 1 | $ 715,000 | $ 715,000 | $ 397,000 |
| Cass County Illinois | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| DeKalb County Illinois | 1 | $ 485,000 | $ 485,000 | $ 69,000 |
| DuPage County Illinois | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Edwards County Illinois | 1 | $ 185,000 | $ 185,000 | $ 154,000 |
| Ford County Illinois | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Fulton County Illinois | 1 | $ 95,000 | $ 95,000 | $ 89,000 |
| Jasper County Illinois | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Kankakee County Illinois | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Kendall County Illinois | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Marion County Illinois | 1 | $ 185,000 | $ 185,000 | $ 148,000 |
| Monroe County Illinois | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Rock Island County Illinois | 1 | $ 2,045,000 | $ 2,045,000 | $ 0 |
| Stephenson County Illinois | 1 | $ 1,955,000 | $ 1,955,000 | $ 0 |
| Washington County Illinois | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Winnebago County Illinois | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Hamilton County Indiana | 1 | $ 465,000 | $ 465,000 | $ 294,000 |
| Johnson County Indiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Montgomery County Indiana | 1 | $ 225,000 | $ 225,000 | $ 54,000 |
| Putnam County Indiana | 1 | $ 235,000 | $ 235,000 | $ 51,000 |
| Sullivan County Indiana | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Tippecanoe County Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Guthrie County Iowa | 1 | $ 785,000 | $ 785,000 | $ 549,000 |
| Jefferson County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Carter County Missouri | 1 | $ 435,000 | $ 435,000 | $ 80,000 |
| Cooper County Missouri | 1 | $ 175,000 | $ 175,000 | $ 124,000 |
| Jackson County Missouri | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| Jasper County Missouri | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Lewis County Missouri | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Monroe County Missouri | 1 | $ 185,000 | $ 185,000 | $ 123,000 |
| Montgomery County Missouri | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Randolph County Missouri | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Ripley County Missouri | 1 | $ 395,000 | $ 395,000 | $ 78,000 |
| Warren County Missouri | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 118,000 |
| Crawford County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 143,000 |
| Georgetown County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Gibson County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Rutherford County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 177,000 |
| Anderson County Texas | 1 | $ 215,000 | $ 215,000 | $ 142,000 |
| Brazos County Texas | 1 | $ 385,000 | $ 385,000 | $ 201,000 |
| Denton County Texas | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Hunt County Texas | 1 | $ 405,000 | $ 405,000 | $ 213,000 |
| Montgomery County Texas | 1 | $ 75,000 | $ 75,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for First Mid Bank & Trust, National Association in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,054 | $199,150,000 | $188,000 | $11,555,000 | $98,000 | $4,207,000 |
| Refinancing | 439 | $103,615,000 | $236,000 | $11,135,000 | $109,000 | $1,700,000 |
| Cash-out Refinancing | 394 | $112,600,000 | $285,000 | $20,005,000 | $102,000 | $3,599,000 |
| Not Applicable | 55 | $8,925,000 | $162,000 | $1,515,000 | $0 | $0 |
| Home Improvement | 42 | $3,280,000 | $78,000 | $315,000 | $69,000 | $281,000 |
| Other Purpose | 34 | $5,520,000 | $162,000 | $1,305,000 | $88,000 | $215,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,666 | $250,950,000 | $150,000 | $3,575,000 | $99,000 | $4,207,000 |
| Not applicable | 169 | $152,925,000 | $904,000 | $20,005,000 | $0 | $0 |
| Not Provided | 69 | $14,085,000 | $204,000 | $1,705,000 | $163,000 | $1,938,000 |
| Black or African American | 45 | $5,555,000 | $123,000 | $285,000 | $73,000 | $248,000 |
| Hispanic | 37 | $3,665,000 | $99,000 | $325,000 | $71,000 | $189,000 |
| Asian | 22 | $4,120,000 | $187,000 | $545,000 | $126,000 | $449,000 |
| American Indian or Alaskan Native | 4 | $530,000 | $132,000 | $335,000 | $75,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,870 | $417,440,000 | $223,000 | $20,005,000 | $105,000 | $4,207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 148 | $15,650,000 | $105,000 | $225,000 | $47,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,423 | $291,825,000 | $205,000 | $20,005,000 | $104,000 | $4,207,000 |
| Application Denied By Financial Institution | 297 | $39,415,000 | $132,000 | $705,000 | $80,000 | $1,700,000 |
| Application Withdrawn By Applicant | 194 | $31,220,000 | $160,000 | $1,555,000 | $110,000 | $1,365,000 |
| Loan Purchased By The Institution | 94 | $69,180,000 | $735,000 | $11,555,000 | $0 | $0 |
| Application Approved But Not Accepted | 10 | $1,450,000 | $145,000 | $545,000 | $122,000 | $659,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,721 | $393,675,000 | $228,000 | $20,005,000 | $104,000 | $4,207,000 |
| Debt-To-Income Ratio | 82 | $11,680,000 | $142,000 | $515,000 | $46,000 | $187,000 |
| Credit Application Incomplete | 71 | $11,325,000 | $159,000 | $705,000 | $131,000 | $1,700,000 |
| Credit History | 61 | $5,815,000 | $95,000 | $305,000 | $66,000 | $320,000 |
| Other | 28 | $4,050,000 | $144,000 | $475,000 | $89,000 | $332,000 |
| Collateral | 25 | $3,115,000 | $124,000 | $415,000 | $81,000 | $225,000 |
| Unverifiable Information | 13 | $1,625,000 | $125,000 | $245,000 | $84,000 | $148,000 |
| Employment History | 13 | $1,315,000 | $101,000 | $285,000 | $52,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $490,000 | $122,000 | $155,000 | $51,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Mid Bank & Trust, National Association's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Mid Bank & Trust, National Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.