Applications / Mortgage Analytics / Lenders / Illinois / Busey Bank
Champaign, IL · State member bank · FRS · $18.1 billion assets · 1,481 loans in 2025
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1,481
loans originated, 2025
2,070
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Busey Bank is an Illinois bank that makes more of its loans to low- and moderate-income borrowers than more than nine in ten similar lenders, across 19 states.
LMI (low- and moderate-income) borrowers took 40.4% of its loans, against 26.5% at similar lenders (state member banks making between half and twice as many loans), up from 28.5% five years before. LMI areas took 20.5%, against 15.0%, and majority-minority areas 14.8%, against 6.4%.
Home purchases were 51.8% of its loans and refinances 21.7%. Its typical loan was $145,000, against $195,000 at similar lenders, and 2.6% of loans were FHA (insured by the Federal Housing Administration), against 1.7%.
Originations were almost unchanged at 1,481 while similar lenders grew 10% and the whole market 10%, a lower growth rate than about four in five of them. It made 6,518 loans in 2020; fewer refinances may account for part of that fall, as refinances are now 21.7% of its loans against 51.8% for purchases. The amount it lent rose to $338.2 million from $277.8 million.
Its share rose 0.2 points to 0.2% in Oklahoma City and 0.1 points to 0.3% in Cape Coral-Fort Myers. Its 2025 merger with CrossFirst Bank, whose filings count as Busey's in these market figures, is one possible reason for the Oklahoma City gain.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Busey Bank took 2,070 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.8% · Refinance 21.7% · Home improvement 17.3% · Other 9.2%
Conventional 96.8% · FHA 2.6% · VA 0.5% · USDA (RHS or FSA) 0.1% · of 1,481 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 | 1,204 | 81.3% |
| Missouri | 86 | 5.8% |
| Florida | 58 | 3.9% |
| Indiana | 58 | 3.9% |
| Oklahoma | 21 | 1.4% |
| Kansas | 19 | 1.3% |
| Colorado | 11 | 0.7% |
| Arizona | 7 | 0.5% |
| Michigan | 4 | 0.3% |
| California | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 314 |
| Champaign-Urbana | 298 |
| Chicago-Naperville-Schaumburg | 286 |
| Bloomington | 93 |
| Peoria | 92 |
| Decatur | 78 |
| Indianapolis-Carmel-Greenwood | 55 |
| Cape Coral-Fort Myers | 33 |
| Elgin | 19 |
| Kansas City | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O7SGM8FH65GQ47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 416245 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316450 | 1990–2017 |
Established 8 July 1946. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Busey Bank's data.
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