First Bankers Trust Company, National Association
First Bankers Trust Company, National Association received 170 applications in 2025 and made 138 mortgages, in 33 counties across 10 states. The median rate its borrowers got was 6.875% on a median loan of $125,000. Of 170 decisions, 16 were denials — 9.4%, most often for credit history.
| Legal Entity Identifier | 2549003SD8SH7JXN6S72 |
|---|---|
| Applications received | 170 |
| Mortgages made | 138 |
| Denied | 16 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.281 points |
| FDIC-insured bank | Yes: First Bankers Trust Company, National Association, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 97 | 6.625% | $135,000 | 9.1% |
| Refinancing | 10 | 7.063% | $130,000 | 0.0% |
| Cash-out refinancing | 12 | 7.125% | $120,000 | 29.4% |
| Other purposes | 19 | 7.500% | $105,000 | 0.0% |
Where First Bankers Trust Company, National Association lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Adams County, IL | 77 | 6.750% | 3.2% |
| Hancock County, IL | 10 | 6.688% | 41.2% |
| Sangamon County, IL | 9 | Under 10 loans | 0.0% |
| McDonough County, IL | 7 | Under 10 loans | 30.0% |
| Marion County, MO | 5 | Under 10 loans | 0.0% |
| Schuyler County, IL | 4 | Under 10 loans | 0.0% |
| St. Louis city, MO | 3 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Brown County, IL | 1 | Under 10 loans | 0.0% |
| Cass County, IL | 1 | Under 10 loans | 0.0% |
| Christian County, IL | 1 | Under 10 loans | 0.0% |
| Ford County, IL | 1 | Under 10 loans | 0.0% |
| Fulton County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Rock Island County, IL | 1 | Under 10 loans | 0.0% |
| Hendricks County, IN | 1 | Under 10 loans | 0.0% |
| Appanoose County, IA | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Clark County, MO | 1 | Under 10 loans | 0.0% |
| Lewis County, MO | 1 | Under 10 loans | 0.0% |
| Putnam County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Logan County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Montgomery County, OH | 1 | Under 10 loans | 0.0% |
| Stark County, OH | 1 | Under 10 loans | 0.0% |
| Dickson County, TN | 1 | Under 10 loans | 0.0% |
| Pike County, IL | 0 | Under 10 loans | 100.0% |
| Warren County, IL | 0 | Under 10 loans | 100.0% |
| Oregon County, MO | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.