Applications / Mortgage Analytics / Lenders / Illinois / Banterra Bank
Marion, IL · State non-member bank · FDIC · $3.3 billion assets · 213 loans in 2025
Banterra Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
213
loans originated, 2025
418
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Banterra Bank, of Marion, Illinois, makes bigger loans than most similar lenders and is spreading far beyond its home state; it now lends in 11 states.
It made 213 loans, up 18% from 181, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. Its largest market by dollars is now Ogden, which it entered in 2024; it ranks 42 of 308 there with 0.5%. It entered Elizabethtown in 2025 and already ranks 19 of 193, with 1.2%. In Evansville its share rose 0.7 points to 1.3%.
Jumbo loans (larger than the conforming limit) were 11.1% of its lending, against 1.3% at peers, higher than at more than nine in ten of them. Its dollar total nearly doubled, to $144.6 million from $76.7 million. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.5% at peers.
Low- and moderate-income (LMI) borrowers took 19.9% of its loans, against 28.0%, lower than at about four in five similar lenders; its larger loans are one possible reason. Yet LMI neighborhoods took 20.8%, against 17.3%, up from 7.6% five years before. Majority-minority areas took 1.9%, against 6.4%, which may reflect the places it lends.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Banterra Bank took 418 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.5% · Refinance 14.6% · Home improvement 5.6% · Other 3.3%
Conventional 100.0% · of 213 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 | 81 | 38.0% |
| Indiana | 33 | 15.5% |
| Missouri | 30 | 14.1% |
| Utah | 26 | 12.2% |
| Kentucky | 20 | 9.4% |
| Arizona | 15 | 7.0% |
| Tennessee | 3 | 1.4% |
| Washington | 2 | 0.9% |
| Arkansas | 1 | 0.5% |
| Florida | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 33 |
| Cape Girardeau | 24 |
| Paducah | 16 |
| Phoenix-Mesa-Chandler | 10 |
| Salt Lake City-Murray | 8 |
| Ogden | 7 |
| St. George | 6 |
| Provo-Orem-Lehi | 3 |
| St. Louis | 3 |
| Bowling Green | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NGCDNC9174EF79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 502849 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317514 | 2008–2017 |
Established 26 November 1955. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Banterra Bank's data.
Banterra Bank's data
$215
Banterra 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.
Buy Banterra Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]