Applications / Mortgage Analytics / Lenders / Illinois / Morton Community Bank
Morton, IL · State non-member bank · FDIC · $5.4 billion assets · 1,426 loans in 2025
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1,426
loans originated, 2025
1,775
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Morton Community Bank is a central Illinois bank that ranks third in Peoria and second in Bloomington, IL, where its share rose sharply in 2025, making small conventional loans across a broad mix of purposes.
In Peoria, IL, a market it has served since before 1990, it ranked 3 of 289 with its share up from 7.6% to 7.9%. In Bloomington, IL it ranked 2 of 221, behind First State Mortgage Services, with its share up 2.6 points, from 3.3% to 5.9%.
Every loan was conventional. Home purchases were 47.4% of its lending, home improvement 21.7%, refinances 17.6% and other 13.3%. That mix may explain why its typical loan, $105,000, was lower than almost all similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $195,000, and why its typical rate, 7.00%, was higher than about three in four of them.
Its loan count rose 13%, from 1,266 to 1,426, close to the 10% of the typical similar lender. The dollars it lent rose faster, from $191.8 million to $299.1 million. It has absorbed several banks, most recently Marine Bank in 2023.
Low- and moderate-income (LMI) borrowers took 36.0% of its loans, more than about four in five similar lenders. Its purchase denial rate, 5.3%, was near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Morton Community Bank took 1,775 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.4% · Home improvement 21.7% · Refinance 17.6% · Other 13.3%
Conventional 100.0% · of 1,426 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 | 1,377 | 96.6% |
| Florida | 10 | 0.7% |
| Indiana | 9 | 0.6% |
| Iowa | 8 | 0.6% |
| Missouri | 8 | 0.6% |
| South Carolina | 4 | 0.3% |
| Wisconsin | 4 | 0.3% |
| Arizona | 2 | 0.1% |
| Texas | 2 | 0.1% |
| Kentucky | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Peoria | 656 |
| Springfield | 193 |
| Bloomington | 154 |
| Champaign-Urbana | 64 |
| Davenport-Moline-Rock Island | 22 |
| St. Louis | 7 |
| Chicago-Naperville-Schaumburg | 6 |
| Decatur | 5 |
| Cape Coral-Fort Myers | 4 |
| Spartanburg | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SNZET0P5BZ3J56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 825146 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318429 | 1990–2017 |
| Respondent ID (the HMDA filer code before 2018) | 2825146 | 2008–2014 |
Established 26 August 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Morton Community Bank's data.
Morton Community Bank's data
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