Applications / Mortgage Analytics / Lenders / Illinois / INB
Springfield, IL · National bank · OCC · $2.5 billion assets · 958 loans in 2025
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958
loans originated, 2025
1,169
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
INB is the largest mortgage lender in Springfield, IL, ranking 1 of 217, and a purchase lender with a far larger share of low- and moderate-income (LMI) borrowers and areas than similar banks.
It ranked 1 of 217 lenders in Springfield, IL, where it has lent since before 1990, ahead of Bank of Springfield and United Community Bank. Its share was 14.2%, against 14.8% the year before, a dip of 0.6 points; its own lending was about flat, down 1%, while the whole market grew 10%, one possible reason.
LMI borrowers took 41.0% of its loans, against 27.1% at similar lenders (national banks making between half and twice as many loans), higher than more than nine in ten of them. LMI areas took 28.7%, against 14.4%, up from 9.8% five years before. Its typical loan, $165,000, was smaller than the $205,000 at peers.
Purchase loans were 79.0% of its lending. VA loans (guaranteed by the Department of Veterans Affairs) were 4.9%, against 0.7% at peers, and FHA loans (insured by the Federal Housing Administration) 5.5%, against 2.1%. Its home-purchase denial rate was 3.3%, lower than the 5.6% at similar lenders.
Originations fell 1% to 958, against 10% at similar lenders and for the whole market. It made 2,548 loans five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. INB took 1,169 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.0% · Refinance 16.6% · Home improvement 3.0% · Other 1.4%
Conventional 89.2% · FHA 5.5% · VA 4.9% · USDA (RHS or FSA) 0.3% · of 958 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 | 910 | 95.0% |
| Florida | 19 | 2.0% |
| Missouri | 9 | 0.9% |
| Minnesota | 3 | 0.3% |
| Arizona | 2 | 0.2% |
| Georgia | 2 | 0.2% |
| Michigan | 2 | 0.2% |
| Texas | 2 | 0.2% |
| Alabama | 1 | 0.1% |
| District of Columbia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 596 |
| Peoria | 133 |
| Champaign-Urbana | 46 |
| Decatur | 20 |
| St. Louis | 18 |
| Bloomington | 16 |
| Tampa | 6 |
| Davenport-Moline-Rock Island | 4 |
| Chicago-Naperville-Schaumburg | 3 |
| Miami-Miami Beach-Kendall | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HGDJQ37M5BE268 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 925037 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111443 | 2000–2017 |
Established 1 January 1905. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: INB's data.
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