Applications / Mortgage Analytics / Lenders / Illinois / First State Bank and Trust
Monticello, IL · State non-member bank · FDIC · $503 million assets · 164 loans in 2025
First State Bank and Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
164
loans originated, 2025
188
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank and Trust gained ground in Bloomington, IL in 2025 even as its overall loan count slipped.
In Bloomington, IL it ranked 17 of 221 lenders, and its share rose to 1.5% from 1.3%. It has lent there since at least 1990. First State Mortgage Services leads the market. Its 2023 merger with First State Bank of Bloomington counts in these figures.
It made 164 loans, down 6%, while similar lenders, state non-member banks making between half and twice as many loans, grew 10%. Yet its dollar volume rose to $38.5 million, and its typical loan to $175,000, the same as its peers'. It made 783 loans in 2020.
Purchases made up 56.7% of its loans and refinances 42.1%. It made no jumbo loans (larger than the conforming limit), and every loan was conventional.
It made no loans in majority-minority neighborhoods, where similar lenders made 5.4% of theirs. Low- and moderate-income (LMI) neighborhoods took 11.2%, against 17.5%. The make-up of the Illinois counties where it lends could explain both. LMI borrowers took 27.9% of its loans, exactly the share at its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 and Trust took 188 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.7% · Refinance 42.1% · Other 1.2%
Conventional 100.0% · of 164 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 | 164 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Champaign-Urbana | 75 |
| Bloomington | 32 |
| Decatur | 6 |
| Chicago-Naperville-Schaumburg | 1 |
| Peoria | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900N4XMPM37K77D58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 899642 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316332 | 2004–2017 |
Established 10 November 1945. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First State Bank and Trust's data.
First State Bank and Trust's data
$215
First State Bank and Trust 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 State Bank and Trust'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]