Today's Featured Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.281%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.043%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.429%  0.000%
Rural Development
 Rate  APR  Points
 4.000%  4.613%  0.000%

Actual interest rates, fees and APRs will vary based on credit history and other loan attributes and are subject to change without notice.

Personalized Quote

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A First Mid-Illinois Bank & Trust Loan Officer will follow up to answer your questions.

Our goal is provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at Toll Free 866-258-2311 or 217-258-0437.

Custom Rate Quote

With just a few pieces of information we'll produce loan products with rates customized for you.


Our calculators can help answer some key questions to help you decide which mortgage is right for you.