Purchase Originations
735
Ranked #487 nationally
Median Total Costs
$3,151
−52.8% vs national ($6,680)
↑ $255 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$900
Median Lender Credits
$78
Cost Rank (500+ vol.)
#51
among lenders with 500+ originations
Denial Rate
11.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 655 | 6.500% | $3,003 | $900 |
| fha | 52 | 6.500% | $6,318 | $1,000 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,973 | 6.625% | — | 15 | −$1,178 | |
| 2 | $2,064 | 6.375% | — | 10 | −$1,087 | |
| 3 | $2,211 | 6.625% | — | 6 | −$940 | |
| 4 | $2,309 | 6.625% | — | 9 | −$842 | |
| 5 | $2,323 | 6.625% | — | 10 | −$828 | |
| 6 | $2,334 | 6.188% | — | 10 | −$817 | |
| 7 | $2,337 | 6.500% | — | 60 | −$814 | |
| 8 | $2,409 | 6.250% | — | 7 | −$742 | |
| 9 | $2,486 | 6.500% | — | 55 | −$665 | |
| 10 | $2,590 | 6.500% | — | 22 | −$561 | |
| 11 | $2,602 | 6.500% | — | 11 | −$549 | |
| 12 | $2,603 | 6.375% | — | 10 | −$548 | |
| 13 | $2,653 | 6.375% | — | 13 | −$498 | |
| 14 | $2,740 | 6.500% | — | 10 | −$411 | |
| 15 | $2,937 | 6.625% | — | 16 | −$214 | |
| 16 | $3,265 | 6.500% | — | 7 | +$114 | |
| 17 | $3,388 | 6.500% | — | 42 | +$237 | |
| 18 | $3,391 | 6.562% | — | 220 | +$240 | |
| 19 | $3,481 | 6.625% | — | 32 | +$330 | |
| 20 | $4,316 | 7.188% | — | 8 | +$1,165 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First Mid Bank & Trust, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,151 | $7,127 | −$3,976 (−55.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.