Applications / Mortgage Analytics / Lenders / Illinois / First Mid Bank & Trust
Mattoon, IL · National bank · OCC · $7.9 billion assets · 1,610 loans in 2025
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1,610
loans originated, 2025
2,369
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Mid Bank & Trust is an Illinois bank of small loans that lends more to lower-income borrowers and areas than most similar lenders.
Home purchases were 55.6% of its loans and home improvement 19.6%. Its typical loan was $125,000, against $215,000 at similar lenders (national banks making between half and twice as many loans), smaller than at about nine in ten of them. Its RHS share (guaranteed by the Department of Agriculture's Rural Housing Service) was 1.0%, against 0.1%.
LMI (low- and moderate-income) borrowers took 36.4% of its loans, against 26.6% at peers, a higher share than at more than nine in ten of them. LMI areas took 23.0%, against 14.1%, up from 9.8% five years before. Majority-minority areas took 7.7%, against 10.5%; the make-up of the Illinois markets it mainly serves is one possible reason.
Its 1,610 originations were unchanged from 1,617, while similar lenders grew 10% and the whole market 10%; the dollars it lent rose to $408.2 million from $333.5 million. Originations jumped from 968 in 2023 to 1,617 in 2024; its 2023 merger with Blackhawk Bank is one possible reason.
It ranked 2 of 302 lenders in Rockford, behind GreenState Credit Union, though its share fell 0.7 points to 6.5%; growth by other lenders there is one possible reason. Its share rose 0.3 points to 0.6% in St. Louis and also rose in Champaign-Urbana. It entered Bloomington, IN in 2024 and Bozeman in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Mid Bank & Trust took 2,369 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.6% · Home improvement 19.6% · Refinance 16.8% · Other 8.1%
Conventional 94.7% · FHA 3.4% · USDA (RHS or FSA) 1.0% · VA 0.9% · of 1,610 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 1,287 | 79.9% |
| Missouri | 159 | 9.9% |
| Wisconsin | 101 | 6.3% |
| Indiana | 26 | 1.6% |
| Texas | 14 | 0.9% |
| Florida | 13 | 0.8% |
| Georgia | 2 | 0.1% |
| Tennessee | 2 | 0.1% |
| Alabama | 1 | 0.1% |
| Arizona | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockford | 507 |
| St. Louis | 255 |
| Janesville-Beloit | 83 |
| Champaign-Urbana | 64 |
| Decatur | 38 |
| Jefferson City | 27 |
| Columbia | 25 |
| Chicago-Naperville-Schaumburg | 23 |
| Peoria | 17 |
| Elgin | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XOTES5TCS8T794 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 762447 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110045 | 1998–2017 |
Established 8 February 1865. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: First Mid Bank & Trust's data.
First Mid Bank & Trust's data
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First Mid Bank & Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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