First Mid Bank & Trust, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First Mid Bank & Trust, National Association 2022 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 | 1,904 |
| Total Mortgage Loan Application Amount | $351,760,000 |
| Average Mortgage Loan Application Amount | $200,200 |
| Highest Mortgage Loan Application Amount | $18,795,000 |
| Average Applicant Income | $124,800 |
| Highest Applicant Income | $4,952,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 246 | $ 39,500,000 | $ 160,000 | $ 107,000 |
| Coles County Illinois | 144 | $ 15,360,000 | $ 106,000 | $ 77,000 |
| St. Louis County Missouri | 85 | $ 29,715,000 | $ 349,000 | $ 133,000 |
| Knox County Illinois | 80 | $ 6,710,000 | $ 83,000 | $ 71,000 |
| Champaign County Illinois | 66 | $ 41,250,000 | $ 625,000 | $ 112,000 |
| Douglas County Illinois | 65 | $ 5,795,000 | $ 89,000 | $ 83,000 |
| Macon County Illinois | 63 | $ 11,125,000 | $ 176,000 | $ 89,000 |
| Edgar County Illinois | 51 | $ 3,225,000 | $ 63,000 | $ 79,000 |
| St. Clair County Illinois | 50 | $ 7,530,000 | $ 150,000 | $ 99,000 |
| Clark County Illinois | 47 | $ 3,385,000 | $ 72,000 | $ 73,000 |
| Jackson County Illinois | 43 | $ 4,485,000 | $ 104,000 | $ 90,000 |
| Moultrie County Illinois | 43 | $ 3,235,000 | $ 75,000 | $ 187,000 |
| Williamson County Illinois | 39 | $ 4,885,000 | $ 125,000 | $ 111,000 |
| Peoria County Illinois | 35 | $ 3,935,000 | $ 112,000 | $ 92,000 |
| St. Charles County Missouri | 31 | $ 8,085,000 | $ 260,000 | $ 124,000 |
| St. Louis City County Missouri | 31 | $ 3,815,000 | $ 123,000 | $ 92,000 |
| Cumberland County Illinois | 28 | $ 2,350,000 | $ 83,000 | $ 84,000 |
| Jefferson County Illinois | 26 | $ 4,140,000 | $ 159,000 | $ 106,000 |
| Boone County Missouri | 24 | $ 7,070,000 | $ 294,000 | $ 147,000 |
| Adams County Illinois | 23 | $ 2,025,000 | $ 88,000 | $ 82,000 |
| Wabash County Illinois | 22 | $ 1,810,000 | $ 82,000 | $ 80,000 |
| Parke County Indiana | 22 | $ 3,430,000 | $ 155,000 | $ 78,000 |
| Camden County Missouri | 22 | $ 5,200,000 | $ 236,000 | $ 129,000 |
| Effingham County Illinois | 21 | $ 2,125,000 | $ 101,000 | $ 154,000 |
| Piatt County Illinois | 21 | $ 2,445,000 | $ 116,000 | $ 90,000 |
| Shelby County Illinois | 21 | $ 1,905,000 | $ 90,000 | $ 73,000 |
| Clinton County Illinois | 18 | $ 2,470,000 | $ 137,000 | $ 87,000 |
| Lincoln County Missouri | 14 | $ 1,920,000 | $ 137,000 | $ 70,000 |
| White County Illinois | 12 | $ 1,550,000 | $ 129,000 | $ 87,000 |
| Cole County Missouri | 10 | $ 1,100,000 | $ 110,000 | $ 110,000 |
| Bond County Illinois | 8 | $ 820,000 | $ 102,000 | $ 72,000 |
| De Witt County Illinois | 7 | $ 605,000 | $ 86,000 | $ 90,000 |
| Macoupin County Illinois | 7 | $ 1,065,000 | $ 152,000 | $ 88,000 |
| McLean County Illinois | 7 | $ 1,205,000 | $ 172,000 | $ 116,000 |
| Tazewell County Illinois | 7 | $ 1,605,000 | $ 229,000 | $ 132,000 |
| Warren County Illinois | 7 | $ 1,355,000 | $ 193,000 | $ 118,000 |
| Jefferson County Missouri | 7 | $ 805,000 | $ 115,000 | $ 99,000 |
| Christian County Illinois | 6 | $ 550,000 | $ 91,000 | $ 77,000 |
| Crawford County Illinois | 6 | $ 730,000 | $ 121,000 | $ 138,000 |
| Tarrant County Texas | 6 | $ 2,620,000 | $ 436,000 | $ 187,000 |
| Henry County Illinois | 5 | $ 525,000 | $ 105,000 | $ 86,000 |
| Marion County Illinois | 5 | $ 975,000 | $ 195,000 | $ 65,000 |
| Vigo County Indiana | 5 | $ 965,000 | $ 193,000 | $ 69,000 |
| Callaway County Missouri | 5 | $ 915,000 | $ 183,000 | $ 173,000 |
| Miller County Missouri | 5 | $ 845,000 | $ 169,000 | $ 119,000 |
| Collier County Florida | 4 | $ 6,210,000 | $ 1,552,000 | $ 1,749,000 |
| Lawrence County Illinois | 4 | $ 170,000 | $ 42,000 | $ 93,000 |
| Randolph County Illinois | 4 | $ 370,000 | $ 92,000 | $ 76,000 |
| Saline County Illinois | 4 | $ 400,000 | $ 100,000 | $ 41,000 |
| Sangamon County Illinois | 4 | $ 310,000 | $ 77,000 | $ 80,000 |
| Washington County Illinois | 4 | $ 180,000 | $ 45,000 | $ 54,000 |
| Morgan County Missouri | 4 | $ 960,000 | $ 240,000 | $ 544,000 |
| Dallas County Texas | 4 | $ 1,170,000 | $ 292,000 | $ 110,000 |
| Maricopa County Arizona | 3 | $ 2,135,000 | $ 711,000 | $ 572,000 |
| Franklin County Illinois | 3 | $ 295,000 | $ 98,000 | $ 53,000 |
| Jersey County Illinois | 3 | $ 345,000 | $ 115,000 | $ 58,000 |
| Mercer County Illinois | 3 | $ 365,000 | $ 121,000 | $ 85,000 |
| Union County Illinois | 3 | $ 475,000 | $ 158,000 | $ 152,000 |
| Vermilion County Illinois | 3 | $ 465,000 | $ 155,000 | $ 171,000 |
| Lee County Florida | 2 | $ 6,240,000 | $ 3,120,000 | $ 0 |
| Hancock County Illinois | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Johnson County Illinois | 2 | $ 100,000 | $ 50,000 | $ 53,000 |
| McDonough County Illinois | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Monroe County Illinois | 2 | $ 150,000 | $ 75,000 | $ 37,000 |
| Montgomery County Illinois | 2 | $ 60,000 | $ 30,000 | $ 96,000 |
| Perry County Illinois | 2 | $ 100,000 | $ 50,000 | $ 43,000 |
| Hendricks County Indiana | 2 | $ 180,000 | $ 90,000 | $ 96,000 |
| Marion County Indiana | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Vermillion County Indiana | 2 | $ 130,000 | $ 65,000 | $ 196,000 |
| Macon County Missouri | 2 | $ 310,000 | $ 155,000 | $ 48,000 |
| Sumner County Tennessee | 2 | $ 1,530,000 | $ 765,000 | $ 132,000 |
| Collin County Texas | 2 | $ 860,000 | $ 430,000 | $ 159,000 |
| Mobile County Alabama | 1 | $ 245,000 | $ 245,000 | $ 489,000 |
| Pima County Arizona | 1 | $ 335,000 | $ 335,000 | $ 107,000 |
| Bay County Florida | 1 | $ 635,000 | $ 635,000 | $ 259,000 |
| Hillsborough County Florida | 1 | $ 425,000 | $ 425,000 | $ 279,000 |
| Manatee County Florida | 1 | $ 215,000 | $ 215,000 | $ 171,000 |
| Okaloosa County Florida | 1 | $ 10,005,000 | $ 10,005,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 755,000 | $ 755,000 | $ 1,831,000 |
| Pasco County Florida | 1 | $ 635,000 | $ 635,000 | $ 375,000 |
| Sarasota County Florida | 1 | $ 485,000 | $ 485,000 | $ 430,000 |
| Clay County Illinois | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Cook County Illinois | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
| Fulton County Illinois | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Gallatin County Illinois | 1 | $ 25,000 | $ 25,000 | $ 24,000 |
| Henderson County Illinois | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Iroquois County Illinois | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Kane County Illinois | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Livingston County Illinois | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Massac County Illinois | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Morgan County Illinois | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Pope County Illinois | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Rock Island County Illinois | 1 | $ 115,000 | $ 115,000 | $ 165,000 |
| Stark County Illinois | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sullivan County Indiana | 1 | $ 1,455,000 | $ 1,455,000 | $ 0 |
| Jessamine County Kentucky | 1 | $ 16,645,000 | $ 16,645,000 | $ 0 |
| McCracken County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 231,000 |
| Berrien County Michigan | 1 | $ 395,000 | $ 395,000 | $ 546,000 |
| Kandiyohi County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 253,000 |
| Cooper County Missouri | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
| Crawford County Missouri | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Jackson County Missouri | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Marion County Missouri | 1 | $ 285,000 | $ 285,000 | $ 46,000 |
| Moniteau County Missouri | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Osage County Missouri | 1 | $ 75,000 | $ 75,000 | $ 230,000 |
| Perry County Missouri | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Pike County Missouri | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Platte County Missouri | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Putnam County Missouri | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Warren County Missouri | 1 | $ 45,000 | $ 45,000 | $ 88,000 |
| Spartanburg County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Blount County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 207,000 |
| Rutherford County Tennessee | 1 | $ 455,000 | $ 455,000 | $ 135,000 |
| Sevier County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
| Hood County Texas | 1 | $ 505,000 | $ 505,000 | $ 1,066,000 |
| Hunt County Texas | 1 | $ 565,000 | $ 565,000 | $ 213,000 |
| Parker County Texas | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Oneida County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 169,000 |
| Racine County Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for First Mid Bank & Trust, National Association in 2022
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 | 1,106 | $203,090,000 | $183,000 | $18,795,000 | $87,000 | $1,043,000 |
| Home Improvement | 326 | $18,010,000 | $55,000 | $755,000 | $100,000 | $1,831,000 |
| Cash-out Refinancing | 182 | $83,930,000 | $461,000 | $16,645,000 | $101,000 | $1,066,000 |
| Refinancing | 182 | $34,510,000 | $189,000 | $4,535,000 | $131,000 | $1,423,000 |
| Other Purpose | 108 | $12,220,000 | $113,000 | $2,355,000 | $205,000 | $4,952,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,517 | $196,835,000 | $129,000 | $2,605,000 | $103,000 | $4,952,000 |
| Black or African American | 126 | $9,430,000 | $74,000 | $365,000 | $61,000 | $273,000 |
| Not applicable | 92 | $123,840,000 | $1,346,000 | $18,795,000 | $0 | $0 |
| Not Provided | 76 | $9,390,000 | $123,000 | $345,000 | $101,000 | $350,000 |
| Hispanic | 54 | $5,070,000 | $93,000 | $285,000 | $93,000 | $1,196,000 |
| Asian | 19 | $3,755,000 | $197,000 | $665,000 | $202,000 | $972,000 |
| American Indian or Alaskan Native | 11 | $995,000 | $90,000 | $305,000 | $77,000 | $312,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,720 | $329,350,000 | $191,000 | $18,795,000 | $107,000 | $4,952,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 184 | $22,410,000 | $121,000 | $755,000 | $53,000 | $438,000 |
| 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 | 1,131 | $257,515,000 | $227,000 | $18,795,000 | $111,000 | $4,952,000 |
| Application Denied By Financial Institution | 307 | $28,365,000 | $92,000 | $755,000 | $76,000 | $1,196,000 |
| Preapproval Denied by Financial Institution | 284 | $40,150,000 | $141,000 | $885,000 | $72,000 | $1,043,000 |
| Application Withdrawn By Applicant | 166 | $23,730,000 | $142,000 | $765,000 | $140,000 | $4,883,000 |
| Application Approved But Not Accepted | 11 | $1,015,000 | $92,000 | $205,000 | $94,000 | $219,000 |
| Loan Purchased By The Institution | 4 | $510,000 | $127,000 | $215,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $475,000 | $475,000 | $475,000 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,313 | $283,245,000 | $215,000 | $18,795,000 | $115,000 | $4,952,000 |
| Credit History | 165 | $13,765,000 | $83,000 | $365,000 | $77,000 | $1,196,000 |
| Debt-To-Income Ratio | 163 | $17,905,000 | $109,000 | $505,000 | $48,000 | $180,000 |
| Credit Application Incomplete | 150 | $23,980,000 | $159,000 | $885,000 | $97,000 | $1,043,000 |
| Other | 42 | $5,760,000 | $137,000 | $755,000 | $80,000 | $438,000 |
| Employment History | 29 | $2,905,000 | $100,000 | $295,000 | $49,000 | $136,000 |
| Collateral | 27 | $2,155,000 | $79,000 | $445,000 | $105,000 | $620,000 |
| Unverifiable Information | 8 | $1,390,000 | $173,000 | $495,000 | $90,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $655,000 | $93,000 | $135,000 | $54,000 | $99,000 |
| 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 2022 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.