Applications / Mortgage Analytics / Lenders / Illinois / Jersey State Bank
Jerseyville, IL · State non-member bank · FDIC · $198 million assets · 29 loans in 2025
Jersey State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
29
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jersey State Bank, a small Illinois bank that lends around St. Louis, more than doubled its home lending in 2025 to 29 loans, still well below its peak.
Its loans rose 123%, from 13 to 29. Similar lenders, banks of the same type making between half and twice as many loans, held steady, and the whole market grew 10%. The rise was faster than at almost all of those peers, but it starts from a very low year and leaves the bank below the 55 to 59 loans of 2018, 2019 and 2022.
It made 118 loans in 2021, its most since 2018, then fewer each year to 2024. The record does not say why. 2020 has no report, which is a gap in the record, not a year without loans.
It has reported since 1990, the first year of the public data. In 2025 it lent in seven counties in two states, and its one metro is St. Louis, where it ranked 254 of 637 lenders by dollars and Guild Mortgage Company led. It made fewer loans than about three in four similar banks.
With 29 loans, its borrowers' incomes, the neighborhoods it lends in and its prices rest on too few loans to read much into. Most were home purchases, and all were conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Jersey State Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.4% · Refinance 20.7% · Home improvement 3.4% · Other 3.4%
Conventional 100.0% · of 29 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 | 27 | 93.1% |
| Missouri | 2 | 6.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 26 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BLPLW0LXHKFX20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 482446 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312384 | 1990–2017 |
Established 28 January 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Jersey State Bank's data.
Jersey State Bank's data
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Jersey 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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