Applications / Mortgage Analytics / Lenders / Illinois / Stillman BancCorp
Stillman Valley, IL · National bank · OCC · $625 million assets · 224 loans in 2025
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224
loans originated, 2025
297
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stillman BancCorp is a fixture of the Rockford, Illinois market, where it has lent since 1994 and ranks among the ten biggest lenders, but its volume is about a fifth of its 2020 peak.
It ranked 9 of 302 lenders in Rockford in 2025, and its share edged up to 2.3% from 2.2%. GreenState Credit Union and First Mid Bank & Trust lead that market. Elsewhere it is small: it ranked 88 of 572 in non-metro Illinois and 567 of 902 in Chicago-Naperville-Elgin.
It made 1,029 loans in 2020 and 700 in 2021, against 224 in 2025. Refinances are still 39.7% of its loans, and its typical rate has risen from 2.85% in 2020 to 6.62%; a lender that leaned on refinancing may have lost much of that business as rates rose. Its loans fell 3% in 2025, while similar lenders, meaning national banks making between half and twice as many loans, grew 5%.
Its typical rate was lower than about seven in ten similar lenders. It turned down 4.0% of home-purchase applications, against 6.4% at peers. Nearly every loan was conventional.
It now lends in 6 states. It has made loans in Knoxville, TN since 2018 and in 2025 added Morristown, TN and non-metro Pennsylvania, though its shares there are tiny.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Stillman BancCorp took 297 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.1% · Refinance 39.7% · Home improvement 3.1%
Conventional 99.6% · USDA (RHS or FSA) 0.4% · of 224 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 | 208 | 92.9% |
| Wisconsin | 10 | 4.5% |
| Tennessee | 2 | 0.9% |
| Georgia | 1 | 0.4% |
| Michigan | 1 | 0.4% |
| Pennsylvania | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockford | 135 |
| Chicago-Naperville-Schaumburg | 4 |
| Janesville-Beloit | 4 |
| Elgin | 2 |
| Knoxville | 1 |
| Madison | 1 |
| Marietta | 1 |
| Morristown | 1 |
| Racine-Mount Pleasant | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006L3U88MNTL7K26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 407645 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114369 | 1994–2017 |
Established 9 June 1882. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Stillman BancCorp's data.
Stillman BancCorp's data
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Stillman BancCorp 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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