Applications / Mortgage Analytics / Lenders / Illinois / State Bank of Toulon
Toulon, IL · State non-member bank · FDIC · $326 million assets · 78 loans in 2025
State Bank of Toulon's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
78
loans originated, 2025
85
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
State Bank of Toulon makes some of the smallest home loans among similar banks, and most of them go to lower-income borrowers.
Its typical loan was $65,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than almost all of them. Home improvement made up 17.9% of its lending and manufactured homes 5.1%, against 2.6% at similar lenders. So its 78 loans came to just $7.7 million.
Some 59.7% of its loans went to low- and moderate-income (LMI) borrowers, against 27.4% at similar lenders, a higher share than almost all of them. Small loans and home-improvement lending may suit households of modest income. Its share in LMI neighborhoods, 21.8%, sits a little above the middle.
Loans rose 37%, from 57 to 78, faster than four in five similar lenders, whose typical growth was 9%. Volume swings from year to year: it made 88 loans in 2023.
It holds 0.3% of the Davenport-Moline-Rock Island market, up from 0.2%, ranking 56 of 288. In Peoria its share held at 0.2%, ranking 59 of 289. It has lent in both since 1997. GreenState Credit Union and Citizens Equity First Credit Union lead them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. State Bank of Toulon took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.7% · Refinance 21.8% · Home improvement 17.9% · Other 2.6%
Conventional 100.0% · of 78 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 | 78 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 39 |
| Peoria | 32 |
| Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005OG185XV8M8N52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 535940 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312386 | 1997–2017 |
Established 20 June 1903. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: State Bank of Toulon's data.
State Bank of Toulon's data
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State Bank of Toulon 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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