We analyzed every closed loan from First Mid Bank & Trust — 901 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and USDA loans
Explore another lender or local market
Report Card
First Mid Bank & Trust performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.1 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
825 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
FHA
37 loans · 0.86% above market
Strong
Top 40% of lenders
4/5
VA
11 loans · 0.16% below market
Acceptable
Bottom 40% of lenders
2/5
USDA
27 loans · 0.06% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
804 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
Refinance
97 loans · 0.27% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 825 | 91.6% | +0.152%Above | $852Fees | ||||
FHA Loans | 37 | 4.1% | +0.859%Above | $1,047Fees | ||||
VA Loans | — | — | 11 | 1.2% | -0.156%Below | $1,233Fees | ||
USDA Loans | — | 27 | 3.0% | +0.055%Above | $636Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume825
Mix91.6%
Spread
+0.152%Above
Fees
$852Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume37
Mix4.1%
Spread
+0.859%Above
Fees
$1,047Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix1.2%
Spread
-0.156%Below
Fees
$1,233Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume27
Mix3.0%
Spread
+0.055%Above
Fees
$636Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 804 | 89.2% | +0.158%Above | $855Fees | ||||
Refinance | 97 | 10.8% | +0.269%Above | $885Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume804
Mix89.2%
Spread
+0.158%Above
Fees
$855Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume97
Mix10.8%
Spread
+0.269%Above
Fees
$885Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
901
Applications
1,233
Volume
$168 million
Pricing & Closing
Avg Rate Spread
+0.171%
vs. market APOR
Avg Net Fees
$859
Origination − Credits
Pullthrough Rate
73.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$187,342
Avg Borrower Income
$105,519
Avg Property Value
$246,853
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 5050–100100+None
Midwest6
IAILINMNMOWI
South6
ALFLKYNCTNTX
West1
AZ
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.