Applications / Mortgage Analytics / Lenders / Illinois / The Peoples State Bank of Newton, Illinois
Newton, IL · State non-member bank · FDIC · $720 million assets · 94 loans in 2025
The Peoples State Bank of Newton, Illinois's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
94
loans originated, 2025
111
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples State Bank of Newton, Illinois, a $720 million bank, has made fewer home loans every year since 2020, though it still ranks among the larger lenders in rural Illinois.
It made 94 loans in 2025, down 13% from the year before and down from 248 in 2020. Similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%; only about one in six peers shrank faster. Part of the fall may be a return from a busy 2020, but 94 loans is also well below the 160 it made in 2019, its first year of reporting. The figures do not show whether the bank chose to lend less.
Purchases made up 67.0% of its loans. In non-metro Illinois, its biggest market, it ranked 73 of 572 lenders. Manufactured homes were 8.5% of its loans, against 3.2% at similar lenders, and its typical loan, $135,000, was smaller than the peer figure of $175,000. Manufactured homes may explain part of that gap.
Its loans spread across 25 counties in 5 states. In 2025 its filings reached non-metro Nebraska and non-metro Wisconsin for the first time, though only as small footholds. It first reported in 2019. Its share of loans to low- and moderate-income borrowers, 24.4%, was a little below the peer figure of 27.4%, near the middle of similar lenders.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Peoples State Bank of Newton, Illinois took 111 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.0% · Refinance 24.5% · Other 5.3% · Home improvement 3.2%
Conventional 100.0% · of 94 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 | 81 | 86.2% |
| Indiana | 10 | 10.6% |
| Missouri | 1 | 1.1% |
| Nebraska | 1 | 1.1% |
| Wisconsin | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 3 |
| Indianapolis-Carmel-Greenwood | 3 |
| St. Louis | 3 |
| Champaign-Urbana | 1 |
| Decatur | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006IBJS6XC0DFJ29 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 326344 | 2019–2023 |
Established 1 January 1875. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: The Peoples State Bank of Newton, Illinois's data.
The Peoples State Bank of Newton, Illinois's data
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The Peoples State Bank of Newton, Illinois 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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