Applications / Mortgage Analytics / Lenders / Illinois / Farmers State Bank of Alto Pass, ILL
Alto Pass, IL · State non-member bank · FDIC · $355 million assets · 151 loans in 2025
Farmers State Bank of Alto Pass, ILL's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
151
loans originated, 2025
185
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers State Bank of Alto Pass, ILL makes small loans, typically $105,000, and placed 27.7% of them in low- and moderate-income areas, more than about three-quarters of similar lenders, while its volume held flat in a rising market.
Its typical loan of $105,000 is smaller than about nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical loan is $175,000. It made no jumbo loans. Manufactured homes, 9.9% of its loans against 2.8%, and lower-cost rural housing may account for it.
Of its loans, 27.7% were in LMI (low- and moderate-income) neighbourhoods, against 17.5% for peers, and up from 8.3% five years before. Its share to LMI borrowers, 24.2%, is a little below the 28.1% of peers, which may reflect who lives in the areas it serves rather than any choice of borrower.
It made 151 loans against 153 a year earlier, down 1%, while similar lenders rose 10% and the whole market 10%; its growth was lower than about seven in ten peers. Its rural markets may have grown more slowly than the market as a whole. Volume is far below the 480 of 2020, and has stayed between 151 and 190 since 2022.
It ranks 41 of 572 lenders in non-metro Illinois, where it has reported since 2006. Its 1.3% share in majority-minority areas, against 5.1% for peers, may reflect how few such areas its rural market contains.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers State Bank of Alto Pass, ILL took 185 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.9% · Refinance 24.5% · Home improvement 10.6% · Other 6.0%
Conventional 100.0% · of 151 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 148 | 98.0% |
| Florida | 1 | 0.7% |
| South Carolina | 1 | 0.7% |
| Texas | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hilton Head Island-Bluffton-Port Royal | 1 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XOWUPV4E45EE89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 856346 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311299 | 2006–2017 |
Established 1 January 1910. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Farmers State Bank of Alto Pass, ILL's data.
Farmers State Bank of Alto Pass, ILL's data
$215
Farmers State Bank of Alto Pass, ILL and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Farmers State Bank of Alto Pass, ILL's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]