Applications / Mortgage Analytics / Lenders / Illinois / Buena Vista National Bank
Chester, IL · National bank · OCC · $324 million assets · 173 loans in 2025
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173
loans originated, 2025
204
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Buena Vista National Bank makes small loans, and a growing share of them go to borrowers with low and moderate incomes.
Its typical loan was $105,000, against $190,000 at similar lenders, national banks making between half and twice as many loans. That is smaller than more than nine in ten of them. Every loan was conventional, and purchases made up 57.2%.
Borrowers with low and moderate incomes (LMI) took 32.7% of its loans, more than at about three in four similar lenders. That share was 26.4% the year before and 13.0% five years before. LMI neighborhoods took 11.0%, against 15.5% at its peers, which may reflect the areas in the 29 counties where it lends.
Its biggest share is in Decatur, IL, where it ranked 22 of 156 lenders and has lent since 2007. Its share there slipped to 1.2% from 1.4%; at its size a handful of loans could account for that. In 2025 it made its first loans in Columbia, MO and Chattanooga.
It made 173 loans, down 3%, while similar lenders grew 5%. Its loans peaked at 375 in 2020 and have fallen each year since.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Buena Vista National Bank took 204 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.2% · Refinance 27.7% · Other 10.4% · Home improvement 4.6%
Conventional 100.0% · of 173 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 | 152 | 87.9% |
| Missouri | 16 | 9.2% |
| Alabama | 1 | 0.6% |
| Florida | 1 | 0.6% |
| Michigan | 1 | 0.6% |
| Oklahoma | 1 | 0.6% |
| Tennessee | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 33 |
| St. Louis | 30 |
| Springfield | 10 |
| Champaign-Urbana | 2 |
| Chattanooga | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Columbia | 1 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CSKW4TNZHEOO36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 621441 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114479 | 2007–2017 |
Established 1 January 1905. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Buena Vista National Bank's data.
Buena Vista National Bank's data
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Buena Vista National 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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