Applications / Mortgage Analytics / Lenders / Illinois / The Gifford State Bank
Gifford, IL · State non-member bank · FDIC · $190 million assets · 85 loans in 2025
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85
loans originated, 2025
90
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Gifford State Bank, a small Illinois lender, made 55% more home loans in 2025 than in 2024, winning back most of the ground it lost the year before.
Its loans rose from 55 to 85. That was faster than about nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose loans rose 9%, and faster than the whole market's 10%. The bank made 98 loans in 2023, so 2024 looks like the dip rather than 2025 the jump. It filed no report for 2020 to 2022, a gap in the record rather than years without lending.
Its typical loan was $95,000, against $175,000 at similar lenders, lower than more than nine in ten of them. Every loan was conventional. Home-improvement and other-purpose loans made up nearly a third of its lending, and such loans tend to be smaller than mortgages to buy a house, which may account for much of the difference.
Low- and moderate-income (LMI) borrowers took 38.3% of its loans, against 27.7% at similar lenders, more than about four in five of them. Yet only 7.1% of its loans went to poorer neighborhoods (LMI tracts), against 18.5%. Its lending is spread over just seven counties, so the mix of tracts in those few places may set that figure. It has lent in Champaign-Urbana since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Gifford State Bank took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.8% · Refinance 31.8% · Home improvement 18.8% · Other 10.6%
Conventional 100.0% · of 85 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 | 84 | 98.8% |
| Indiana | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Champaign-Urbana | 48 |
| Bloomington | 1 |
| Lafayette-West Lafayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300W424PDJPNFLY60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 557438 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310467 | 1990–2017 |
Established 1 January 1885. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Gifford State Bank's data.
The Gifford State Bank's data
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