First Mid Bank & Trust, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First Mid Bank & Trust, National Association 2023 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 | 1,912 |
| Total Mortgage Loan Application Amount | $353,550,000 |
| Average Mortgage Loan Application Amount | $206,800 |
| Highest Mortgage Loan Application Amount | $53,385,000 |
| Average Applicant Income | $103,600 |
| Highest Applicant Income | $7,786,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 193 | $ 27,055,000 | $ 140,000 | $ 164,000 |
| Coles County Illinois | 150 | $ 14,860,000 | $ 99,000 | $ 99,000 |
| Knox County Illinois | 79 | $ 6,575,000 | $ 83,000 | $ 69,000 |
| St. Louis County Missouri | 68 | $ 35,590,000 | $ 523,000 | $ 178,000 |
| Champaign County Illinois | 64 | $ 13,080,000 | $ 204,000 | $ 114,000 |
| Macon County Illinois | 48 | $ 3,220,000 | $ 67,000 | $ 78,000 |
| Edgar County Illinois | 46 | $ 2,970,000 | $ 64,000 | $ 78,000 |
| Williamson County Illinois | 46 | $ 5,400,000 | $ 117,000 | $ 139,000 |
| Jackson County Illinois | 43 | $ 4,185,000 | $ 97,000 | $ 82,000 |
| Winnebago County Illinois | 42 | $ 5,370,000 | $ 127,000 | $ 80,000 |
| St. Clair County Illinois | 39 | $ 2,575,000 | $ 66,000 | $ 67,000 |
| Boone County Missouri | 33 | $ 8,935,000 | $ 270,000 | $ 137,000 |
| Douglas County Illinois | 31 | $ 2,655,000 | $ 85,000 | $ 95,000 |
| Clark County Illinois | 30 | $ 2,150,000 | $ 71,000 | $ 71,000 |
| St. Charles County Missouri | 30 | $ 20,330,000 | $ 677,000 | $ 151,000 |
| Jefferson County Illinois | 26 | $ 2,580,000 | $ 99,000 | $ 141,000 |
| Piatt County Illinois | 26 | $ 3,210,000 | $ 123,000 | $ 102,000 |
| Cole County Missouri | 26 | $ 3,250,000 | $ 125,000 | $ 88,000 |
| Moultrie County Illinois | 25 | $ 2,565,000 | $ 102,000 | $ 99,000 |
| Peoria County Illinois | 24 | $ 1,790,000 | $ 74,000 | $ 76,000 |
| St. Louis City County Missouri | 24 | $ 9,080,000 | $ 378,000 | $ 104,000 |
| Effingham County Illinois | 18 | $ 1,770,000 | $ 98,000 | $ 101,000 |
| Adams County Illinois | 17 | $ 1,705,000 | $ 100,000 | $ 87,000 |
| Cumberland County Illinois | 14 | $ 810,000 | $ 57,000 | $ 77,000 |
| Shelby County Illinois | 13 | $ 1,535,000 | $ 118,000 | $ 87,000 |
| Camden County Missouri | 12 | $ 2,270,000 | $ 189,000 | $ 121,000 |
| Lincoln County Missouri | 12 | $ 1,630,000 | $ 135,000 | $ 265,000 |
| White County Illinois | 9 | $ 865,000 | $ 96,000 | $ 73,000 |
| Saline County Illinois | 8 | $ 1,440,000 | $ 180,000 | $ 33,000 |
| Tazewell County Illinois | 8 | $ 950,000 | $ 118,000 | $ 110,000 |
| Warren County Illinois | 8 | $ 760,000 | $ 95,000 | $ 81,000 |
| Lawrence County Illinois | 7 | $ 305,000 | $ 43,000 | $ 59,000 |
| Callaway County Missouri | 7 | $ 635,000 | $ 90,000 | $ 94,000 |
| Boone County Illinois | 6 | $ 990,000 | $ 165,000 | $ 129,000 |
| Christian County Illinois | 6 | $ 630,000 | $ 105,000 | $ 134,000 |
| Vigo County Indiana | 6 | $ 420,000 | $ 70,000 | $ 53,000 |
| Jefferson County Missouri | 6 | $ 3,710,000 | $ 618,000 | $ 97,000 |
| Rock County Wisconsin | 6 | $ 920,000 | $ 153,000 | $ 56,000 |
| Crawford County Illinois | 5 | $ 545,000 | $ 109,000 | $ 53,000 |
| Gallatin County Illinois | 5 | $ 255,000 | $ 51,000 | $ 61,000 |
| Macoupin County Illinois | 5 | $ 425,000 | $ 85,000 | $ 91,000 |
| McHenry County Illinois | 5 | $ 375,000 | $ 75,000 | $ 87,000 |
| Wabash County Illinois | 5 | $ 315,000 | $ 63,000 | $ 57,000 |
| Dallas County Texas | 5 | $ 1,275,000 | $ 255,000 | $ 114,000 |
| Bond County Illinois | 4 | $ 270,000 | $ 67,000 | $ 58,000 |
| Clinton County Illinois | 4 | $ 570,000 | $ 142,000 | $ 130,000 |
| Fayette County Illinois | 4 | $ 350,000 | $ 87,000 | $ 34,000 |
| Franklin County Illinois | 4 | $ 140,000 | $ 35,000 | $ 49,000 |
| Henry County Illinois | 4 | $ 1,130,000 | $ 282,000 | $ 115,000 |
| Marion County Illinois | 4 | $ 190,000 | $ 47,000 | $ 66,000 |
| Montgomery County Illinois | 4 | $ 340,000 | $ 85,000 | $ 76,000 |
| Perry County Illinois | 4 | $ 480,000 | $ 120,000 | $ 108,000 |
| Union County Illinois | 4 | $ 450,000 | $ 112,000 | $ 84,000 |
| Parke County Indiana | 4 | $ 720,000 | $ 180,000 | $ 169,000 |
| Vermillion County Indiana | 4 | $ 280,000 | $ 70,000 | $ 59,000 |
| Johnson County Illinois | 3 | $ 585,000 | $ 195,000 | $ 70,000 |
| Lake County Illinois | 3 | $ 595,000 | $ 198,000 | $ 74,000 |
| McLean County Illinois | 3 | $ 325,000 | $ 108,000 | $ 129,000 |
| Marion County Indiana | 3 | $ 4,015,000 | $ 1,338,000 | $ 0 |
| Vanderburgh County Indiana | 3 | $ 565,000 | $ 188,000 | $ 89,000 |
| Miller County Missouri | 3 | $ 1,165,000 | $ 388,000 | $ 133,000 |
| Collin County Texas | 3 | $ 1,585,000 | $ 528,000 | $ 270,000 |
| Cook County Illinois | 2 | $ 690,000 | $ 345,000 | $ 140,000 |
| Ford County Illinois | 2 | $ 110,000 | $ 55,000 | $ 46,000 |
| Hardin County Illinois | 2 | $ 100,000 | $ 50,000 | $ 57,000 |
| Henderson County Illinois | 2 | $ 90,000 | $ 45,000 | $ 46,000 |
| Jersey County Illinois | 2 | $ 170,000 | $ 85,000 | $ 57,000 |
| Logan County Illinois | 2 | $ 240,000 | $ 120,000 | $ 57,000 |
| Monroe County Illinois | 2 | $ 390,000 | $ 195,000 | $ 205,000 |
| Randolph County Illinois | 2 | $ 180,000 | $ 90,000 | $ 199,000 |
| Sangamon County Illinois | 2 | $ 210,000 | $ 105,000 | $ 80,000 |
| Vermilion County Illinois | 2 | $ 280,000 | $ 140,000 | $ 68,000 |
| Will County Illinois | 2 | $ 500,000 | $ 250,000 | $ 70,000 |
| Hamilton County Indiana | 2 | $ 650,000 | $ 325,000 | $ 118,000 |
| Macon County Missouri | 2 | $ 230,000 | $ 115,000 | $ 94,000 |
| Warren County Missouri | 2 | $ 1,270,000 | $ 635,000 | $ 280,000 |
| Tarrant County Texas | 2 | $ 680,000 | $ 340,000 | $ 153,000 |
| Maricopa County Arizona | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Washington County Arkansas | 1 | $ 315,000 | $ 315,000 | $ 46,000 |
| Franklin County Florida | 1 | $ 645,000 | $ 645,000 | $ 190,000 |
| Lake County Florida | 1 | $ 195,000 | $ 195,000 | $ 36,000 |
| Palm Beach County Florida | 1 | $ 705,000 | $ 705,000 | $ 2,702,000 |
| Bureau County Illinois | 1 | $ 105,000 | $ 105,000 | $ 128,000 |
| De Witt County Illinois | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Edwards County Illinois | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Hamilton County Illinois | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Jasper County Illinois | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Lee County Illinois | 1 | $ 105,000 | $ 105,000 | $ 142,000 |
| McDonough County Illinois | 1 | $ 95,000 | $ 95,000 | $ 146,000 |
| Mercer County Illinois | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Ogle County Illinois | 1 | $ 135,000 | $ 135,000 | $ 58,000 |
| Richland County Illinois | 1 | $ 105,000 | $ 105,000 | $ 11,000 |
| Stephenson County Illinois | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Washington County Illinois | 1 | $ 155,000 | $ 155,000 | $ 140,000 |
| Wayne County Illinois | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Hendricks County Indiana | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Knox County Indiana | 1 | $ 125,000 | $ 125,000 | $ 126,000 |
| Lake County Indiana | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Porter County Indiana | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Putnam County Indiana | 1 | $ 345,000 | $ 345,000 | $ 116,000 |
| Tippecanoe County Indiana | 1 | $ 53,385,000 | $ 53,385,000 | $ 0 |
| Des Moines County Iowa | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Cape Girardeau County Missouri | 1 | $ 195,000 | $ 195,000 | $ 41,000 |
| Franklin County Missouri | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Lewis County Missouri | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Marion County Missouri | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Morgan County Missouri | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Osage County Missouri | 1 | $ 405,000 | $ 405,000 | $ 232,000 |
| Platte County Missouri | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Taney County Missouri | 1 | $ 205,000 | $ 205,000 | $ 232,000 |
| Webster County Missouri | 1 | $ 355,000 | $ 355,000 | $ 140,000 |
| Kearney County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Loudon County Tennessee | 1 | $ 425,000 | $ 425,000 | $ 98,000 |
| Denton County Texas | 1 | $ 565,000 | $ 565,000 | $ 297,000 |
| Llano County Texas | 1 | $ 165,000 | $ 165,000 | $ 206,000 |
| Vilas County Wisconsin | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for First Mid Bank & Trust, National Association in 2023
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 | 1,243 | $243,795,000 | $196,000 | $53,385,000 | $94,000 | $7,786,000 |
| Home Improvement | 359 | $28,695,000 | $79,000 | $5,505,000 | $120,000 | $2,702,000 |
| Refinancing | 116 | $51,700,000 | $445,000 | $27,035,000 | $97,000 | $444,000 |
| Other Purpose | 110 | $12,080,000 | $109,000 | $3,505,000 | $110,000 | $547,000 |
| Cash-out Refinancing | 84 | $17,280,000 | $205,000 | $6,395,000 | $97,000 | $1,400,000 |
| 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 | 1,516 | $184,630,000 | $121,000 | $1,005,000 | $96,000 | $2,030,000 |
| Black or African American | 139 | $11,515,000 | $82,000 | $485,000 | $57,000 | $224,000 |
| Not Provided | 84 | $11,280,000 | $134,000 | $705,000 | $236,000 | $7,786,000 |
| Hispanic | 79 | $11,135,000 | $140,000 | $685,000 | $87,000 | $516,000 |
| Not applicable | 53 | $122,675,000 | $2,314,000 | $53,385,000 | $0 | $0 |
| Asian | 25 | $10,435,000 | $417,000 | $3,505,000 | $221,000 | $1,505,000 |
| American Indian or Alaskan Native | 12 | $1,580,000 | $131,000 | $405,000 | $77,000 | $210,000 |
| 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) | 1,770 | $336,070,000 | $189,000 | $53,385,000 | $104,000 | $7,786,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 137 | $16,735,000 | $122,000 | $335,000 | $53,000 | $102,000 |
| FHA-insured (Federal Housing Administration) | 5 | $745,000 | $149,000 | $205,000 | $49,000 | $66,000 |
| VA-guaranteed (Veterans 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 | 968 | $228,770,000 | $236,000 | $53,385,000 | $119,000 | $7,786,000 |
| Preapproval Denied by Financial Institution | 492 | $70,220,000 | $142,000 | $705,000 | $69,000 | $512,000 |
| Application Denied By Financial Institution | 287 | $28,835,000 | $100,000 | $3,505,000 | $86,000 | $2,702,000 |
| Application Withdrawn By Applicant | 148 | $22,990,000 | $155,000 | $1,005,000 | $114,000 | $2,030,000 |
| Application Approved But Not Accepted | 14 | $2,260,000 | $161,000 | $555,000 | $146,000 | $885,000 |
| Loan Purchased By The Institution | 3 | $475,000 | $158,000 | $305,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $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 | 1,133 | $254,495,000 | $224,000 | $53,385,000 | $118,000 | $7,786,000 |
| Credit Application Incomplete | 224 | $35,610,000 | $158,000 | $705,000 | $100,000 | $2,702,000 |
| Debt-To-Income Ratio | 210 | $26,290,000 | $125,000 | $485,000 | $53,000 | $400,000 |
| Credit History | 192 | $16,020,000 | $83,000 | $385,000 | $64,000 | $313,000 |
| Employment History | 64 | $7,350,000 | $114,000 | $355,000 | $67,000 | $411,000 |
| Other | 41 | $4,225,000 | $103,000 | $365,000 | $71,000 | $225,000 |
| Collateral | 30 | $3,220,000 | $107,000 | $475,000 | $135,000 | $1,400,000 |
| Unverifiable Information | 13 | $5,035,000 | $387,000 | $3,505,000 | $55,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,305,000 | $261,000 | $645,000 | $112,000 | $190,000 |
| 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 2023 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.