Applications / Mortgage Analytics / Lenders / Illinois / The Bank of Herrin
Herrin, IL · State non-member bank · FDIC · $350 million assets · 45 loans in 2025
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45
loans originated, 2025
52
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Herrin, a small Illinois bank, makes small loans, mostly to buy homes, and lends in poorer neighborhoods about twice as often as similar banks.
Purchases made up 71.1% of its 45 loans in 2025, and home improvement 13.3%. Its typical loan was $105,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than at nearly nine in ten. Every loan was conventional.
Low- and moderate-income (LMI) neighborhoods took 37.2% of its loans, about double the 18.6% at similar lenders and a higher share than at more than four in five of them.
Its loans rose 18% to 45 from 38, against 3% at similar lenders. That is about half the 88 it made in 2023. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending. With so few loans, small changes move every figure.
Its largest market is non-metro Illinois, where it ranks 87 of 572 lenders; Rocket Mortgage and Mortgage Research Center lead. It was called Carterville State and Savings Bank until 2007.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Bank of Herrin took 52 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.1% · Home improvement 13.3% · Refinance 13.3% · Other 2.2%
Conventional 100.0% · of 45 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 | 43 | 95.6% |
| Florida | 1 | 2.2% |
| Missouri | 1 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 2 |
| North Port-Bradenton-Sarasota | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XYHH9IPC6FQW89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 835444 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311310 | 2014–2017 |
Established 12 April 1904. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: The Bank of Herrin's data.
The Bank of Herrin's data
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The Bank of Herrin 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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