Applications / Mortgage Analytics / Lenders / Illinois / The First National Bank of Carmi
Carmi, IL · National bank · OCC · $603 million assets · 42 loans in 2025
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42
loans originated, 2025
65
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Carmi, an Illinois bank whose largest home-lending state is Indiana, made 42 loans in 2025, against 315 in 2020.
Its loans have fallen every year since 2020: from 315 to 193, 130, 72, 50 and now 42. The 16% fall in 2025 compares with no change at a typical similar lender (national banks making between half and twice as many loans) and growth of 10% in the whole market. The record does not say why its volume fell. One possibility is that it now makes few refinance loans, which can swing sharply from year to year.
Purchase loans made up 83.3% of its lending and refinancing the rest, 16.7%. It made no home-improvement loans. Its typical loan, $200,000, was a little above the $175,000 at a typical peer.
Evansville, Indiana is its largest market, where it has lent since 2006. It ranks 43 of 248 there, with 0.3% of lending, down from 0.4%; its lower volume may account for the slip. It also lends in non-metro Illinois and Kentucky and, since 2025, in Daphne-Fairhope-Foley, Alabama.
Low- and moderate-income (LMI) borrowers took 27.3% of its loans, near the 24.2% at peers. LMI neighborhoods took 11.9%, below peers' 17.0%; with 42 loans, that rests on only a few.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The First National Bank of Carmi took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.3% · Refinance 16.7%
Conventional 100.0% · of 42 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 |
|---|---|---|
| Indiana | 20 | 47.6% |
| Illinois | 19 | 45.2% |
| Kentucky | 2 | 4.8% |
| Alabama | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 16 |
| Daphne-Fairhope-Foley | 1 |
| Louisville/Jefferson County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KH5RQTNDNNHM28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 209148 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 14934 | 2006–2017 |
Established 20 December 1893. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Carmi's data.
The First National Bank of Carmi's data
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The First National Bank of Carmi 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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