Applications / Mortgage Analytics / Lenders / Illinois / First National Bank of Pana
Pana, IL · National bank · OCC · $392 million assets · 195 loans in 2025
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195
loans originated, 2025
204
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Pana is the fourth-largest of 156 lenders in Decatur, IL, and it made 15% more loans in 2025 than in 2024.
Originations rose to 195, while similar lenders (national banks making between half and twice as many loans) grew 4% and the whole market 10%. It filed no HMDA report for 2021 or 2022; since 2023 it has made between 169 and 195 loans a year.
It held 5.2% of the Decatur, IL market, down 0.6 points; New American Funding led. Other lenders may have grown faster there, or more of its loans may have gone to other markets. Its share of Springfield, IL rose to 0.2%.
Its typical loan was $125,000, against $185,000 at peers, lower than almost nine in ten similar lenders. Purchases made up 59.5% of its loans.
Low- and moderate-income (LMI) borrowers took 23.8% of its loans and LMI areas 16.5%, both near the middle of similar lenders. Majority-minority areas took 2.1%, against 7.3%; its lending is concentrated in Illinois markets such as Decatur, where such areas may be few.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First National Bank of Pana took 204 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.5% · Refinance 34.4% · Home improvement 4.1% · Other 2.1%
Conventional 100.0% · of 195 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 | 189 | 96.9% |
| Florida | 2 | 1.0% |
| Wisconsin | 2 | 1.0% |
| Missouri | 1 | 0.5% |
| Ohio | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 90 |
| Springfield | 7 |
| St. Louis | 2 |
| Bloomington | 1 |
| Cincinnati | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Lake County | 1 |
| Miami-Miami Beach-Kendall | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000EKZWTYZXUW582 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 860147 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113478 | 2016–2017 |
Established 1 January 1930. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: First National Bank of Pana's data.
First National Bank of Pana's data
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First National Bank of Pana 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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