Applications / Mortgage Analytics / Lenders / Illinois / Bank of O'Fallon
O'Fallon, IL · State non-member bank · FDIC · $378 million assets · 113 loans in 2025
Bank of O'Fallon's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
113
loans originated, 2025
115
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of O'Fallon, a purchase lender near St. Louis, made 113 loans in 2025, slightly fewer than a year before, while similar lenders grew.
Home purchases were 63.7% of its loans and refinances 25.7%, all conventional. It made about as many loans as similar lenders (state non-member banks making between half and twice as many loans). But its typical loan, $155,000, was lower than theirs, $175,000, so its total of $24.4 million was lower than about three in five of them.
Originations fell 3% while similar lenders grew 9% and the whole market 10%. The bank made 186 loans in 2020 and 181 in 2021; since 2022 it has made between 109 and 139 a year.
Borrowers with low and moderate incomes (LMI) took 22.1% of its loans, down from 37.5% in 2024 and lower than peers' 27.9%. LMI neighborhoods also took a smaller share than at peers. At about a hundred loans a year, a handful of loans can swing these shares, and its markets may hold fewer such borrowers. Majority-minority areas took about the same share as at peers.
In St. Louis it ranked 125 of 637 lenders with 0.1%, down 0.1 points. Guild Mortgage Company and United Wholesale Mortgage led. Its own lending dipped while the market grew, which may account for the fall.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of O'Fallon took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.7% · Refinance 25.7% · Other 8.0% · Home improvement 2.7%
Conventional 100.0% · of 113 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 | 104 | 92.0% |
| Missouri | 8 | 7.1% |
| Florida | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 108 |
| Cape Coral-Fort Myers | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZJ52ZRS3Q0S589 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 410748 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318171 | 1990–2017 |
Established 28 March 1960. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of O'Fallon's data.
Bank of O'Fallon's data
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Bank of O'Fallon 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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