The First National Bank of Raymond
The First National Bank of Raymond received 35 applications in 2025 and made 30 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 7.750% on a median loan of $55,000. Of 35 decisions, 5 were denials — 14.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZK7EAZ7CRGCU94 |
|---|---|
| Applications received | 35 |
| Mortgages made | 30 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.989 points |
| FDIC-insured bank | Yes: The First National Bank of Raymond, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Refinancing | 12 | 7.875% | $60,000 | 0.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 27.3% |
Where The First National Bank of Raymond lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Christian County, IL | 10 | 7.750% | 9.1% |
| Macoupin County, IL | 8 | Under 10 loans | 27.3% |
| Sangamon County, IL | 7 | Under 10 loans | 0.0% |
| Montgomery County, IL | 5 | Under 10 loans | 16.7% |
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When The First National Bank of Raymond’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.