Applications / Mortgage Analytics / Lenders / Illinois / First Bankers Trust Company
Quincy, IL · National bank · OCC · $1.2 billion assets · 138 loans in 2025
First Bankers Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
138
loans originated, 2025
170
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bankers Trust Company, a bank in Quincy, Illinois, lends to low- and moderate-income borrowers more than almost any bank its size, and its loans reach 10 states.
Low- and moderate-income (LMI) borrowers took 45.0% of its loans, against 25.0% at similar lenders (national banks making between half and twice as many loans). In 2020 the figure was 24.2%. Poorer neighborhoods (LMI tracts) took 20.3%, against 15.5%, higher than at about two-thirds of similar lenders.
Purchases made up 70.3% of its loans. Its typical loan was $125,000, against $185,000 at similar lenders, smaller than at more than four in five of them. Its typical rate, 6.88%, was close to their 6.72%, and none of its loans was higher-priced (a rate well above the average for similar loans).
It made 138 loans, down 3% from 143, while similar lenders grew 6% and the whole market 10%. Yet its dollar total more than doubled, to $49.5 million from $20.9 million. In 2020 it made 622 loans at a typical rate of 2.75%; fewer borrowers refinancing at today's higher rates may explain the fall since.
Its loans reach 10 states and 12 metros. It ranks 56 of 572 lenders in non-metro Illinois, its largest market. In 2025 it entered Niles and Canton-Massillon, and it already ranks 63 of 297 in Canton-Massillon.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Bankers Trust Company took 170 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.3% · Refinance 15.9% · Home improvement 9.4% · Other 4.3%
Conventional 99.3% · USDA (RHS or FSA) 0.7% · of 138 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 | 114 | 82.6% |
| Missouri | 13 | 9.4% |
| Ohio | 4 | 2.9% |
| California | 1 | 0.7% |
| Colorado | 1 | 0.7% |
| Florida | 1 | 0.7% |
| Iowa | 1 | 0.7% |
| Indiana | 1 | 0.7% |
| Michigan | 1 | 0.7% |
| Tennessee | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 9 |
| St. Louis | 5 |
| Dayton-Kettering-Beavercreek | 2 |
| Canton-Massillon | 1 |
| Champaign-Urbana | 1 |
| Colorado Springs | 1 |
| Davenport-Moline-Rock Island | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Niles | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003SD8SH7JXN6S72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 344647 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114564 | 2010–2017 |
Established 23 October 1946. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: First Bankers Trust Company's data.
First Bankers Trust Company's data
$215
First Bankers Trust Company 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 First Bankers Trust Company'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]