Applications / Mortgage Analytics / Lenders / Illinois / Scott State Bank
Bethany, IL · State non-member bank · FDIC · $203 million assets · 66 loans in 2025
Scott State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
66
loans originated, 2025
86
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Scott State Bank, a small bank in Bethany, Illinois, made half its home loans to low- and moderate-income borrowers in 2025, far more than similar lenders.
Low- and moderate-income borrowers took 50.8% of its loans, against 27.3% at similar lenders (other state non-member banks making between half and twice as many loans). That is higher than at almost all of them. The share has climbed fast, from 23.5% five years before and 30.9% a year earlier.
Its typical loan was $85,000, half the $170,000 at similar lenders and smaller than at more than nine in ten of them. So its 66 loans came to $8.3 million, against $19.1 million at the typical peer. Every loan was conventional.
Refinancing made up 39.4% of its loans and purchases 31.8%; other purposes took 16.7% and home improvement 12.1%. Its count barely moved, rising 2% while similar lenders grew 9%. It made 163 loans in 2020, and the figures do not say why it makes fewer now.
Decatur is its largest market, with lending there since at least 1990 counted under its name. It ranks 19 of 156 lenders, but its share fell from 2.5% to 1.7%. One possible reason is smaller loans: its total lending fell from $11.0 million to $8.3 million on a similar count. New American Funding led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Scott State Bank took 86 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 39.4% · Purchase 31.8% · Other 16.7% · Home improvement 12.1%
Conventional 100.0% · of 66 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 | 66 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Decatur | 26 |
| Champaign-Urbana | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VJ2DUIQKBO9U08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 443634 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38491 | 2012–2017 |
Established 1 January 1887. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Scott State Bank's data.
Scott State Bank's data
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