Applications / Mortgage Analytics / Lenders / Illinois / FCB Banks
Collinsville, IL · State non-member bank · FDIC · $2.6 billion assets · 1,716 loans in 2025
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1,716
loans originated, 2025
2,168
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FCB Banks is an Illinois bank focused on home purchases, ranked 9 of 637 lenders in St. Louis, with more of its loans to LMI borrowers than most similar lenders.
Home purchases made up 58.3% of its loans, refinances 18.3%, home improvement 15.3% and other purposes 8.1%. Its typical loan was $155,000, against $205,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than about three in four of them. FHA (insured by the Federal Housing Administration) loans were 3.7% and VA (guaranteed by the Department of Veterans Affairs) 2.0%, against 2.7% and 0.9% at peers.
LMI (low- and moderate-income) borrowers took 34.0% of its loans, against 27.7% at similar lenders, higher than about three in four of them. Its share in LMI areas, 17.9%, was higher than peers' 15.7% and up from 12.2% five years before.
Only 0.1% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5% at peers, among the lowest tenth. Its refinance denial rate, 15.3%, was lower than peers' 19.0%.
Originations rose 10% to 1,716, in line with the whole market's 10% and near similar lenders' 12%. In St. Louis, where it has lent since before 1990, its share was little changed at 2.3%, against 2.4% the year before. In Kansas City its share rose 0.3 points to 0.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FCB Banks took 2,168 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.3% · Refinance 18.3% · Home improvement 15.3% · Other 8.1%
Conventional 93.4% · FHA 3.7% · VA 2.0% · USDA (RHS or FSA) 0.9% · of 1,716 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 | 1,287 | 75.0% |
| Missouri | 400 | 23.3% |
| Florida | 11 | 0.6% |
| Indiana | 3 | 0.2% |
| Arkansas | 2 | 0.1% |
| Georgia | 2 | 0.1% |
| North Carolina | 2 | 0.1% |
| Tennessee | 2 | 0.1% |
| West Virginia | 2 | 0.1% |
| Alabama | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 1,614 |
| Kansas City | 7 |
| Panama City-Panama City Beach | 4 |
| Cape Coral-Fort Myers | 3 |
| Chicago-Naperville-Schaumburg | 3 |
| Hagerstown-Martinsburg | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Peoria | 2 |
| Asheville | 1 |
| Brunswick-St. Simons | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L8JRY60EOROT34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1459717 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333005 | 1991–2017 |
Established 9 July 1990. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: FCB Banks's data.
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