Applications / Mortgage Analytics / Lenders / Illinois / Bank of Springfield
Springfield, IL · State non-member bank · FDIC · $1.9 billion assets · 957 loans in 2025
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957
loans originated, 2025
1,201
applications, 2025
29
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Springfield is an Illinois home-purchase lender that ranked 2 of 217 lenders in Springfield, IL in 2025, with originations up 12%, a little faster than similar banks.
It ranked 2 of 217 lenders in Springfield, IL, where it has lent since before 1990, behind INB. Its share there fell to 10.5% from 11.7%; other lenders growing faster in the market, or more of its own lending going elsewhere, are possibilities. In St. Louis, IL-MO it ranked 60 of 637, with its share unchanged at 0.4%.
Home purchases were 74.7% of its loans and refinances 19.7%. Originations rose 12% to 957, against 10% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Its typical loan, $185,000, was close to peers' $195,000. It lends in 29 states, with Illinois its main state.
Low- and moderate-income (LMI) borrowers took 28.1% of its loans, up from 20.3% five years before and a little above the middle of peers (26.4%). Loans in LMI areas were 17.7%, higher than about two-thirds of peers, whose typical share was 14.8%.
Its denial rate on home-purchase applications was 6.0%, against 5.9% at peers, and on refinance applications 15.3%, the same as peers' typical rate. Its typical rate, 6.75%, was also the same as peers'.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Springfield took 1,201 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.7% · Refinance 19.7% · Home improvement 2.8% · Other 2.7%
Conventional 96.6% · VA 1.9% · FHA 1.5% · USDA (RHS or FSA) 0.1% · of 957 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 | 738 | 77.1% |
| Missouri | 150 | 15.7% |
| Florida | 18 | 1.9% |
| Arizona | 4 | 0.4% |
| Georgia | 4 | 0.4% |
| Kentucky | 4 | 0.4% |
| Nebraska | 4 | 0.4% |
| Arkansas | 3 | 0.3% |
| Michigan | 3 | 0.3% |
| South Carolina | 3 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 418 |
| St. Louis | 250 |
| Champaign-Urbana | 68 |
| Bloomington | 15 |
| Chicago-Naperville-Schaumburg | 9 |
| Kansas City | 7 |
| Peoria | 6 |
| Decatur | 5 |
| Naples-Marco Island | 4 |
| Phoenix-Mesa-Chandler | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XAJENHWRM32Z86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 248240 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319506 | 1990–2017 |
Established 29 October 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Springfield's data.
Bank of Springfield's data
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