Growing again
Its loans rose to 295 from 231. Similar lenders, state non-member banks making between half and twice as many loans, grew by 8%. It has grown every year since 2022, when it made 158 loans.
Applications / Mortgage Analytics / Lenders / Illinois / Alliance Community Bank
Alliance Community Bank
Petersburg, IL · State non-member bank · FDIC · $405 million assets · 295 loans in 2025
Alliance Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
295
loans originated, 2025
346
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alliance Community Bank, the fifth-largest lender in Springfield, made 28% more loans in 2025, a faster rise than at more than four in five similar banks.
Fifth in Springfield
It ranked 5 of 217 lenders in Springfield, behind INB, Bank of Springfield and United Community Bank. Yet its share slipped by 0.4 points to 4.4% even as its loans grew. Shares are counted in dollars and its loans are small, so the growth may have come in small loans or outside Springfield. County figures would show which.
Small loans for buyers
Home purchases made up 76.9% of its loans. Every loan was conventional, and none was a jumbo. Its typical loan was $125,000, against $175,000 at similar lenders, smaller than at about four in five of them.
Lower-income borrowers
Borrowers with low and moderate incomes (LMI) took 37.0% of its loans, against 28.4% at similar lenders. Poorer neighborhoods (LMI tracts) took 28.8%, against 16.8%. Both shares were higher than at more than four in five similar banks, which fits its small loans. Neighborhoods where most residents are minorities took 2.4%, below peers' 6.3%; the counties it serves may be the reason.
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
295 loans in 2025, against a peak of 630 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alliance Community Bank took 346 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
76.9% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 76.9% · Refinance 21.0% · Home improvement 1.0% · Other 1.0%
Conventional 100.0% · of 295 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
1 state, 5 metros, 16 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 295 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Springfield | 249 |
| Decatur | 2 |
| Bloomington | 1 |
| Peoria | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FX3J95NB1UTP88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 924937 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39631 | 1990–2017 |
Established 18 May 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Alliance Community Bank's data.
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