The First National Bank of Carmi
The First National Bank of Carmi received 65 applications in 2025 and made 42 mortgages, in 13 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $200,000. Of 56 decisions, 9 were denials — 16.1%, most often for credit history.
| Legal Entity Identifier | 549300KH5RQTNDNNHM28 |
|---|---|
| Applications received | 65 |
| Mortgages made | 42 |
| Denied | 9 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The First National Bank of Carmi, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 35 | Not published | $205,000 | 11.1% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where The First National Bank of Carmi lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| White County, IL | 13 | Not published | 26.3% |
| Vanderburgh County, IN | 9 | Under 10 loans | 9.1% |
| Posey County, IN | 5 | Under 10 loans | 0.0% |
| Wabash County, IL | 4 | Under 10 loans | 33.3% |
| Gibson County, IN | 2 | Under 10 loans | 0.0% |
| Knox County, IN | 2 | Under 10 loans | 0.0% |
| Warrick County, IN | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Edwards County, IL | 1 | Under 10 loans | 0.0% |
| Franklin County, IL | 1 | Under 10 loans | 0.0% |
| Henderson County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Williamson County, IL | 0 | Under 10 loans | 100.0% |
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When The First National Bank of Carmi’s figures are published for the next year, or restated.
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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.