Applications / Mortgage Analytics / Lenders / Illinois / TrustBank
Olney, IL · State non-member bank · FDIC · $628 million assets · 100 loans in 2025
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100
loans originated, 2025
118
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TrustBank, an Illinois bank, makes about 100 mortgages a year, mostly small conventional loans for home purchases, with more manufactured homes than most similar lenders.
Its typical loan was $115,000 in 2025, against $175,000 at the 611 similar lenders, state non-member banks making between half and twice as many loans. That is smaller than at more than four in five of them. Manufactured homes made up 11.0% of its loans, against 3.2% at the typical peer; such homes cost less, which may explain part of the gap.
It made 100 loans, against 99 a year earlier, while similar lenders grew 9% and the whole market 10%. Its lending jumped to 263 loans in 2020 and has since settled near the level of 2018 and 2019, when it made 119 and 99.
Purchases made up 64.0% of its lending and refinancing 23.0%, with home-improvement and other loans the rest. Every loan was conventional; it made no government-backed loans.
Its loans reach six states and 11 metros, with Illinois the main state. By dollars its largest market is Phoenix, where it has lent since 2008 and ranks 337 of 879 lenders. Nearer home its share rose in Decatur, Illinois, which it entered in 2024 and where it ranks 76 of 156, and in Terre Haute, Indiana. The figures do not say why a bank in Olney lends so far afield.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TrustBank took 118 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.0% · Refinance 23.0% · Other 9.0% · Home improvement 4.0%
Conventional 100.0% · of 100 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 | 9 | 9.0% |
| Arizona | 5 | 5.0% |
| Indiana | 4 | 4.0% |
| Florida | 2 | 2.0% |
| California | 1 | 1.0% |
| Wisconsin | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 5 |
| Phoenix-Mesa-Chandler | 5 |
| Terre Haute | 3 |
| Champaign-Urbana | 2 |
| Appleton | 1 |
| Columbus | 1 |
| Decatur | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Elgin | 1 |
| Oakland-Fremont-Berkeley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JMCI45DZ4YNK98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 338646 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314662 | 2007–2017 |
Established 13 September 1912. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: TrustBank's data.
TrustBank's data
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