Applications / Mortgage Analytics / Lenders / Illinois / Warren Boynton State Bank
New Berlin, IL · State non-member bank · FDIC · $231 million assets · 97 loans in 2025
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97
loans originated, 2025
98
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Warren Boynton State Bank, a small Illinois bank whose main market is Springfield, lends more often than its peers to borrowers and neighborhoods of modest means.
Borrowers with low or moderate incomes (LMI) took 36.4% of its loans, against 27.2% at similar lenders, state non-member banks making between half and twice as many loans. That was higher than at about three in four of them. Poorer neighborhoods (LMI tracts) took 24.7%, against 18.3%. Its typical loan, $125,000, was smaller than peers' $175,000, which fits lending to more modest households.
It has lent in Springfield since at least 1990 and ranks 20th of 217, behind INB and Bank of Springfield at the top. Its share slipped from 1.8% to 1.5%. Its total lending in dollars was flat, at $16.9 million against $17.0 million, so the slip may reflect rivals' growth more than any retreat of its own.
It made 97 loans, 14% fewer than in 2024, while similar banks grew 9% and the whole market 10%. That was a weaker year than at more than four in five of its peers. Refinances made up 41.2% of its loans, so its volume may swing with borrowers' appetite to refinance.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Warren Boynton State Bank took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.6% · Refinance 41.2% · Home improvement 3.1% · Other 3.1%
Conventional 100.0% · of 97 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 | 96 | 99.0% |
| Indiana | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 63 |
| St. Louis | 14 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930035X20L4YB6HD91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 837448 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311674 | 1990–2017 |
Established 29 August 1877. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Warren Boynton State Bank's data.
Warren Boynton State Bank's data
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Warren Boynton 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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