Applications / Mortgage Analytics / Lenders / Illinois / The First National Bank in Tremont
Tremont, IL · National bank · OCC · $184 million assets · 53 loans in 2025
The First National Bank in Tremont's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
64
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank in Tremont made fewer loans in 2025 but bigger ones, and held its place in Peoria, where it has lent since at least 1990.
Its loans fell 23% to 53, while a typical similar lender (national banks making between half and twice as many loans) grew 3%. Its growth was lower than at about seven in eight of them. Yet its dollar total rose to $10.3 million from $9.4 million, because its typical loan grew to $125,000 from $95,000.
In Peoria, its largest market, it held 0.4% of lending for a second year and ranks 34 of 289. Citizens Equity First Credit Union leads with $220.9M. The bank's smaller count did not cost it share there.
Its typical loan remains well below the $185,000 at a typical peer. Low- and moderate-income (LMI) borrowers took 28.6% of its loans, up from 15.2% and above peers' 22.6%. Only 5.7% of its loans went to LMI neighborhoods, against 16.7% at peers. Its lending is concentrated in seven Illinois counties, which may hold few such neighborhoods.
Purchase loans were 64.2% of its business and refinancing 24.5%. It filed no report for 2020 to 2022, so those years are a gap in the record, not a halt in lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First National Bank in Tremont took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.2% · Refinance 24.5% · Home improvement 7.5% · Other 3.8%
Conventional 100.0% · of 53 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 | 53 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Peoria | 22 |
| Springfield | 2 |
| Bloomington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930041S7CZYMJ4CH46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 353546 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113579 | 1990–2017 |
Established 18 November 1931. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The First National Bank in Tremont's data.
The First National Bank in Tremont's data
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The First National Bank in Tremont 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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