Applications / Mortgage Analytics / Lenders / Illinois / First Federal Savings Bank of Champaign Urbana
Champaign, IL · Savings institution · OCC · $198 million assets · 111 loans in 2025
First Federal Savings Bank of Champaign Urbana's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
111
loans originated, 2025
115
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings Bank of Champaign Urbana, a savings institution in Champaign-Urbana since 1990, lends more in majority-minority and poorer neighborhoods than most similar lenders.
Its share of loans in majority-minority areas was 19.8%, against 5.6% at similar lenders, savings institutions making between half and twice as many loans in 2025. That is higher than about four in five of them, and up from 8.7% five years before. In low- and moderate-income (LMI) areas its share was 23.8%, against 17.0%, higher than about seven in ten.
Its loans fell 10% to 111 while similar lenders grew 7%; its change was lower than at about four in five of them. On a book this size a few borrowers more or fewer move the count. It made 426 loans in 2020 and 107 in 2023.
Its typical loan was $175,000, against $245,000 at similar lenders, lower than about seven in ten of them. Home purchases were 61.3% of its loans and refinances 29.7%, all conventional.
It lends in six Illinois counties. Champaign-Urbana has been its market since 1990. It added non-metro Illinois in 1995 and Springfield in 2008, where it ranks 204 of 217 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Savings Bank of Champaign Urbana took 115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.3% · Refinance 29.7% · Other 5.4% · Home improvement 3.6%
Conventional 100.0% · of 111 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 | 111 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Champaign-Urbana | 107 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KX4PZDHAK8I871 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 346771 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41611 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701611 | 2011–2017 |
Established 1 January 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings Bank of Champaign Urbana's data.
First Federal Savings Bank of Champaign Urbana's data
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First Federal Savings Bank of Champaign Urbana 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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