Applications / Mortgage Analytics / Lenders / Illinois / BankChampaign
Champaign, IL · National bank · OCC · $252 million assets · 35 loans in 2025
BankChampaign's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
35
loans originated, 2025
35
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BankChampaign is a small Champaign-Urbana lender, mostly of refinances, whose loans fell by two-fifths in 2025.
It made 35 loans, down 40% from 58, while similar lenders, here national banks making between half and twice as many loans, made 2% fewer and the whole market grew 10%. The fall was steeper than at about nine in ten peers, though a lender this reliant on refinancing may see its volume swing with borrowers' wish to refinance. It made 105 loans in 2018 and filed no report for 2020 to 2022, gaps a small bank may leave, not years without lending.
Refinances made up 57.1% of its loans and home improvement 11.4%. Its typical loan was $135,000, against $175,000 at similar lenders, which may reflect a book of refinances and home improvements.
A quarter of its loans went to low- and moderate-income (LMI) areas, against 17.2% at similar lenders, and the same share to majority-minority neighborhoods, against 8.6%. Both were higher than at about two-thirds of peers. With 35 loans these shares can swing; they were higher still in 2024.
It has lent in Champaign-Urbana since 1990, and its share there rose in 2025. It also lent in Tampa, Prescott Valley and non-metro South Dakota, the last two new in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. BankChampaign took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.1% · Purchase 25.7% · Home improvement 11.4% · Other 5.7%
Conventional 100.0% · of 35 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 | 28 | 80.0% |
| Florida | 2 | 5.7% |
| Arizona | 1 | 2.9% |
| South Dakota | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Champaign-Urbana | 28 |
| Tampa | 2 |
| Prescott Valley-Prescott | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OVNJWJXYPGIU28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 436739 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116643 | 1990–2017 |
Established 14 March 1977. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BankChampaign's data.
BankChampaign's data
$215
BankChampaign 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.
Buy BankChampaign's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]