Applications / Mortgage Analytics / Lenders / Illinois / First State Bank
Mendota, IL · State non-member bank · FDIC · $1.6 billion assets · 393 loans in 2025
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393
loans originated, 2025
463
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank, of Mendota, Illinois, is a purchase lender that ranks ninth in Bloomington, Illinois. Its lending shrank every year after 2020 and only steadied in 2025.
It made 393 loans in 2025, up 2% from 384, while similar lenders (state non-member banks making between half and twice as many loans) grew 9%. Its dollar volume rose faster, to $120.1 million from $85.9 million, because its typical loan rose to $155,000 from $125,000. In 2020 it made 1,150 loans.
Home purchases made up 64.9% of its loans and refinances 21.4%. Every loan was conventional. Its typical loan was still smaller than the $175,000 at similar lenders. Its typical rate, 6.95%, was a little higher than their 6.75%.
It ranks 9 of 221 lenders in Bloomington, with 2.7% of the market, down 0.2 points; First State Mortgage Services leads. More lending in its other markets is one possible reason for the slip. Its share rose in Champaign-Urbana and Peoria, and it ranks 30 of 572 in non-metro Illinois.
Borrowers with low or moderate incomes (LMI) took 28.7% of its loans, near the middle of similar lenders and up from 20.5% in 2020. Poorer neighborhoods took 19.2%, more than the 16.2% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 State Bank took 463 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.9% · Refinance 21.4% · Home improvement 8.1% · Other 5.6%
Conventional 100.0% · of 393 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 | 382 | 97.2% |
| Wisconsin | 4 | 1.0% |
| Missouri | 3 | 0.8% |
| Florida | 1 | 0.3% |
| Kentucky | 1 | 0.3% |
| North Carolina | 1 | 0.3% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bloomington | 112 |
| Elgin | 40 |
| Chicago-Naperville-Schaumburg | 30 |
| Peoria | 18 |
| Champaign-Urbana | 6 |
| Lake County | 3 |
| Rockford | 2 |
| Cape Coral-Fort Myers | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Davenport-Moline-Rock Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CQG2T7TCGY8Q67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 887340 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315752 | 2006–2017 |
Established 6 July 1940. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: First State Bank's data.
First State Bank's data
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First State 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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