Applications / Mortgage Analytics / Lenders / Illinois / Carrollton Bank
Carrollton, IL · State non-member bank · FDIC · $3.8 billion assets · 1,334 loans in 2025
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1,334
loans originated, 2025
1,655
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carrollton Bank is a home-purchase lender centred on St. Louis and Springfield, Illinois, whose lending to low- and moderate-income (LMI) borrowers was higher than at nearly all similar banks.
Home purchases were 68.7% of its loans, refinances 16.6%. It lent in 24 states and 36 metros, and first lent in non-metro Massachusetts, Baltimore-Columbia-Towson and Portland-South Portland in 2025. Originations rose 8% to 1,334, close to similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 10%.
LMI borrowers took 40.6% of its loans, against 27.6% at similar lenders, higher than about nineteen in twenty of them. Its 22.9% share in LMI areas was higher than more than four in five peers, whose typical share was 14.7%. Both are up from five years before, when they were 28.2% and 14.3%.
It ranked 16 of 637 lenders in St. Louis, with 1.6% of lending, the same as a year before, and has lent there since before 1990. In Springfield, IL it ranked 9 of 217, with 2.8%, up from 2.5%. In Traverse City, MI its share rose to 0.4%.
Loans insured by the Federal Housing Administration (FHA) were 3.4% of its lending and loans guaranteed by the Department of Veterans Affairs (VA) 2.4%, against 2.3% and 0.7% at peers. Its purchase denial rate, 5.4%, was close to peers' 5.9%, and 0.9% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carrollton Bank took 1,655 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.7% · Refinance 16.6% · Home improvement 8.5% · Other 6.2%
Conventional 93.6% · FHA 3.4% · VA 2.4% · USDA (RHS or FSA) 0.5% · of 1,334 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 |
|---|---|---|
| Missouri | 673 | 50.4% |
| Illinois | 616 | 46.2% |
| Florida | 12 | 0.9% |
| Colorado | 3 | 0.2% |
| Tennessee | 3 | 0.2% |
| Arizona | 2 | 0.1% |
| Indiana | 2 | 0.1% |
| Kentucky | 2 | 0.1% |
| Michigan | 2 | 0.1% |
| Ohio | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 1,107 |
| Springfield | 95 |
| Chicago-Naperville-Schaumburg | 3 |
| Naples-Marco Island | 3 |
| North Port-Bradenton-Sarasota | 3 |
| Cape Coral-Fort Myers | 2 |
| Champaign-Urbana | 2 |
| Dallas-Plano-Irving | 2 |
| Denver-Aurora-Centennial | 2 |
| Phoenix-Mesa-Chandler | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CP7747DCRW6U68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1001648 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312383 | 1990–2017 |
Established 1 January 1877. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Carrollton Bank's data.
Carrollton Bank's data
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Carrollton Bank 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.
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