Applications / Mortgage Analytics / Lenders / Illinois / Constitution Bank
Hillsboro, IL · National bank · OCC · $660 million assets · 127 loans in 2025
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127
loans originated, 2025
195
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Constitution Bank, an Illinois national bank called Bank of Hillsboro until 2025, makes small loans, and far more of them go to modest-income borrowers and neighborhoods than at similar lenders.
In 2025, 42.6% of its loans went to borrowers with low and moderate incomes (LMI) and 34.6% to homes in LMI neighborhoods. Similar lenders (national banks making between half and twice as many loans) made 24.4% and 15.7%. It was higher on both counts than about nine in ten of them. Its typical loan, $135,000, was smaller than the $185,000 at peers.
It made 127 loans, down 30%, while similar lenders grew 5% and the market 10%; its change was among the lowest tenth. Its dollar volume still rose, to $40.6 million from $38.4 million, as its typical loan rose to $135,000 from $115,000. The fall may have come mostly in smaller loans.
It made 586 loans in 2020 but 128 in 2018, close to its 2025 total, so the 2020 and 2021 counts may be the exception. Purchases were 62.2% of its 2025 loans and refinances 23.6%.
In St. Louis, where it has lent since at least 1990, it ranks 99 of 637 with an unchanged 0.2% share. In Springfield its share fell 0.2 points to 0.0%, ranking 142 of 217. Its smaller lending in 2025 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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Constitution Bank took 195 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.2% · Refinance 23.6% · Other 11.0% · Home improvement 3.1%
Conventional 100.0% · of 127 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 | 106 | 83.5% |
| Missouri | 16 | 12.6% |
| Kentucky | 4 | 3.1% |
| Florida | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 96 |
| Springfield | 2 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KTBKVRBY302A16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 659341 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114510 | 1990–2017 |
Established 2 July 1945. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Constitution Bank's data.
Constitution Bank's data
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Constitution 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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