Applications / Mortgage Analytics / Lenders / Illinois / Central Bank Illinois
Geneseo, IL · State non-member bank · FDIC · $1.4 billion assets · 340 loans in 2025
Central Bank Illinois's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
340
loans originated, 2025
390
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Bank Illinois ranks 25 of 572 lenders outside Illinois's metro areas and makes much smaller loans than similar banks.
Its typical loan was $105,000, against $185,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest tenth. Every loan was conventional. Purchases made up 60.3% of its loans and refinances 30.0%.
Borrowers on low and moderate incomes took 35.6% of its loans, against 27.9% at similar lenders, up from 22.9% five years before. Only 7.8% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.7%, among the lowest tenth. One possible reason is its lending outside metro areas, in counties that may contain few such tracts.
Rocket Mortgage leads its largest market, outside the metros of Illinois. Its share rose 0.2 points in Davenport-Moline-Rock Island, to 0.5%, and in Peoria, to 0.4%. It slipped 0.1 points in Rockford, to 0.6%.
Its loans rose 11%, from 306 to 340, against 9% for the typical similar lender and 10% for the whole market. It made 1,159 loans in 2020. It turned down 2.2% of home-purchase applications, against 4.9% at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Central Bank Illinois took 390 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.3% · Refinance 30.0% · Home improvement 6.8% · Other 2.9%
Conventional 100.0% · of 340 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 | 318 | 93.5% |
| Iowa | 11 | 3.2% |
| Wisconsin | 4 | 1.2% |
| Florida | 2 | 0.6% |
| Arkansas | 1 | 0.3% |
| Georgia | 1 | 0.3% |
| Indiana | 1 | 0.3% |
| New Mexico | 1 | 0.3% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 46 |
| Chicago-Naperville-Schaumburg | 11 |
| Rockford | 9 |
| Elgin | 7 |
| Peoria | 3 |
| Bloomington | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Janesville-Beloit | 1 |
| Kenosha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZM3TKJVUYB3676 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 931038 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311670 | 1990–2017 |
Established 1 February 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Central Bank Illinois's data.
Central Bank Illinois's data
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Central Bank Illinois 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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