Applications / Mortgage Analytics / Lenders / Illinois / The Gifford State Bank / Competition
The Gifford State Bank
Gifford, IL · State non-member bank · FDIC · $190 million assets · 85 loans in 2025
The Gifford State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
85
loans originated, 2025
90
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who The Gifford State Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — CHAMPAIGN-URBANA, IL, 2025
The Gifford State Bank ranks 38th of 255 lenders in Champaign-Urbana, IL, with $5.7M lent: 0.5% of a $1.06B market.
Champaign-Urbana, IL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Gifford State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO ILLINOIS, 2025
The Gifford State Bank ranks 147th of 572 lenders in non-metro Illinois, with $4.5M lent: 0.1% of a $3.27B market.
non-metro Illinois is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Gifford State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 28% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — LAFAYETTE-WEST LAFAYETTE, IN, 2025
The Gifford State Bank ranks 202nd of 267 lenders in Lafayette-West Lafayette, IN, with $295K lent: 0.0% of a $1.34B market.
Lafayette-West Lafayette, IN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Gifford State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — BLOOMINGTON, IL, 2025
The Gifford State Bank ranks 142nd of 221 lenders in Bloomington, IL, with $275K lent: 0.0% of a $724.8M market.
Bloomington, IL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and The Gifford State Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 56% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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The Gifford State Bank 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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