Applications / Mortgage Analytics / Lenders / Illinois / First State Bank of Forrest
Forrest, IL · State non-member bank · FDIC · $329 million assets · 267 loans in 2025
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267
loans originated, 2025
308
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank of Forrest, an Illinois bank, makes small conventional loans, lends more to poorer borrowers than most similar banks, and gained share in Peoria and Bloomington in 2025.
Its typical loan, $95,000, was among the lowest tenth of similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $175,000. Every loan was conventional. Purchases were 49.4% of its loans, refinances 31.5% and home improvement 13.5%.
Low- and moderate-income (LMI) borrowers took 36.6% of its loans, against 28.0% at similar lenders, more than at four in five of them. Its share in LMI neighborhoods, 16.6%, was near the middle.
It made 267 loans, up 16% from 230, while similar lenders grew 8%. The amount it lent rose to $36.9 million from $25.2 million.
In Peoria, where it has lent since at least 1990, its share rose 0.4 points to 0.6%, ranking 29 of 289. In Bloomington it rose 0.3 points to 0.6%, ranking 33 of 221, and it also gained in Champaign-Urbana. Its biggest market is non-metro Illinois, where it ranks 65 of 572.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Forrest took 308 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.4% · Refinance 31.5% · Home improvement 13.5% · Other 5.6%
Conventional 100.0% · of 267 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 | 259 | 97.0% |
| Indiana | 6 | 2.2% |
| Kansas | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Champaign-Urbana | 59 |
| Peoria | 47 |
| Bloomington | 24 |
| Fort Wayne | 5 |
| Chicago-Naperville-Schaumburg | 4 |
| Davenport-Moline-Rock Island | 2 |
| Decatur | 1 |
| Kankakee | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| Wichita | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DNRGCN05KNA737 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 980438 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311669 | 2011–2017 |
Established 1 January 1914. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: First State Bank of Forrest's data.
First State Bank of Forrest's data
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First State Bank of Forrest 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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