Small and steady
Its 27 loans matched the 2024 count, while similar lenders (state non-member banks making between half and twice as many loans) fell 4%. It has made between 25 and 40 loans in every year it reported since 2018.
Applications / Mortgage Analytics / Lenders / Illinois / State Bank of Bement
State Bank of Bement
Bement, IL · State non-member bank · FDIC · $186 million assets · 27 loans in 2025
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27
loans originated, 2025
43
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
State Bank of Bement is a small Illinois bank that made 27 home loans in 2025, the same number as in 2024.
Gaps, not lean years
It filed no HMDA report for 2020, 2021 or 2022. Since 2020 a bank making fewer than a hundred closed-end loans a year need not report, so these are gaps in the record, not years without lending. It first reported in 2004.
Plain loans in a few counties
Every loan was conventional, with none backed by a government agency. Its lending reached seven counties in two states, most of it in Illinois. In Decatur it ranked 73 of 156 lenders.
Too few loans to judge
On 27 loans, its loan sizes and its shares of lower-income borrowers and neighborhoods are too small to read much into. It also had too few applications for a denial rate to be shown.
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
27 loans in 2025, against a peak of 40 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. State Bank of Bement took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
59.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 59.3% · Refinance 29.6% · Other 7.4% · Home improvement 3.7%
Conventional 100.0% · of 27 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
2 states, 4 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 26 | 96.3% |
| Ohio | 1 | 3.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Champaign-Urbana | 21 |
| Decatur | 2 |
| Bloomington | 1 |
| Cincinnati | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XPRIVI6I4YR959 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 439730 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310855 | 2004–2017 |
Established 17 January 1914. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: State Bank of Bement's data.
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