Applications / Mortgage Analytics / Lenders / Illinois / Dieterich Bank
Effingham, IL · State member bank · FRS · $1.6 billion assets · 284 loans in 2025
Dieterich Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
284
loans originated, 2025
393
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dieterich Bank, an Illinois home-purchase lender, grew faster than most similar banks in 2025, with loans up 23%, helped perhaps by a merger.
Its originations rose 23%, to 284, against 7% at similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. That was faster than about three in four of them. It merged with Community Bank of Trenton in 2025, which may account for some of the rise. It is still far below the 926 loans of 2020.
Purchases made up 73.6% of its loans and refinances 21.8%. Its typical loan, $175,000, was a little smaller than peers' $195,000, but up from $125,000 in 2024.
Low- and moderate-income (LMI) borrowers took 32.6% of its loans, more than at about two-thirds of similar lenders. Yet poorer neighborhoods (LMI tracts) took only 5.3%, against 16.5%, less than at nearly all peers. That may reflect the small towns and countryside it serves; it ranks 18 of 572 lenders in non-metro Illinois.
In St. Louis, where it has lent since at least 1990, it ranks 72 of 637 lenders. Its share rose 0.1 points, to 0.3%. Guild Mortgage Company leads there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dieterich Bank took 393 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.6% · Refinance 21.8% · Home improvement 2.8% · Other 1.8%
Conventional 98.6% · USDA (RHS or FSA) 1.4% · of 284 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 | 264 | 93.0% |
| Missouri | 12 | 4.2% |
| Texas | 2 | 0.7% |
| Arkansas | 1 | 0.4% |
| Florida | 1 | 0.4% |
| Indiana | 1 | 0.4% |
| Kentucky | 1 | 0.4% |
| South Carolina | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 93 |
| Bloomington | 1 |
| Champaign-Urbana | 1 |
| Charleston-North Charleston | 1 |
| Dallas-Plano-Irving | 1 |
| Decatur | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LTSES0DE01Z405 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 771140 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 19582 | 2013–2017 |
Established 1 January 1909. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Dieterich Bank's data.
Dieterich Bank's data
$215
Dieterich 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 Dieterich 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]