First Mid Bank & Trust, National Association closing costs and rates (2024)
In 2024, First Mid Bank & Trust, National Association originated 804 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $2,896. That ranks #441 nationally by origination volume. For total closing costs among lenders with 500+ originations, First Mid Bank & Trust, National Association ranks #44. That is $3,845 below the national median of $6,741. First Mid Bank & Trust, National Association is most active in Illinois with 670 originations there.
Purchase Originations
804
Ranked #441 nationally
Median Total Costs
$2,896
−57.0% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$880
Median Lender Credits
$100
Cost Rank (500+ vol.)
#44
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 731 | 6.500% | $2,680 | $880 |
| fha | 37 | 6.750% | $5,654 | $1,130 |
| usda | 26 | 6.000% | $3,317 | $650 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 670 | 6.500% | $2,925 | #37 |
| Missouri | 61 | 6.625% | $2,550 | #130 |
| Wisconsin | 55 | 6.375% | $3,833 | #130 |
| Indiana | 5 | 6.875% | $2,296 | — |
| Texas | 4 | 6.312% | $4,598 | — |
| Florida | 2 | 6.562% | $4,687 | — |
| Iowa | 2 | 6.125% | $2,045 | — |
| Alabama | 1 | 6.375% | $2,221 | — |
| Kentucky | 1 | 6.125% | $2,664 | — |
| Minnesota | 1 | 7.125% | $3,710 | — |
| North Carolina | 1 | 7.375% | $3,555 | — |
| Tennessee | 1 | 6.625% | $4,122 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,792 | 6.625% | — | 16 | −$1,104 | |
| 2 | $1,891 | 6.375% | — | 9 | −$1,005 | |
| 3 | $2,002 | 6.375% | — | 17 | −$894 | |
| 4 | $2,027 | 6.250% | — | 40 | −$869 | |
| 5 | $2,032 | 6.250% | — | 9 | −$864 | |
| 6 | $2,133 | 6.875% | — | 12 | −$763 | |
| 7 | $2,153 | 6.500% | — | 67 | −$743 | |
| 8 | $2,164 | 6.375% | — | 12 | −$732 | |
| 9 | $2,182 | 6.375% | — | 74 | −$714 | |
| 10 | $2,182 | 6.250% | — | 9 | −$714 | |
| 11 | $2,204 | 6.375% | — | 9 | −$692 | |
| 12 | $2,286 | 6.312% | — | 8 | −$610 | |
| 13 | $2,629 | 7.000% | — | 7 | −$267 | |
| 14 | $2,817 | 6.625% | — | 9 | −$79 | |
| 15 | $2,893 | 6.500% | — | 10 | −$3 | |
| 16 | $3,367 | 6.625% | — | 220 | +$471 | |
| 17 | $3,407 | 6.875% | — | 39 | +$511 | |
| 18 | $3,445 | 7.125% | — | 9 | +$549 | |
| 19 | $3,833 | 6.375% | — | 49 | +$937 | |
| 20 | $4,976 | 6.938% | — | 14 | +$2,080 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.