Applications / Mortgage Analytics / Lenders / Illinois / The Atlanta National Bank
Atlanta, IL · National bank · OCC · $76.3 million assets · 29 loans in 2025
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29
loans originated, 2025
35
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Atlanta National Bank, a small Illinois lender, reported 29 home loans in 2025 after filing no report from 2018 to 2024, and its loans were far smaller than its rivals'.
The bank first reported its home lending in 1998, but the record holds nothing for 2018 to 2024. Banks making few loans need not report (since 2020, fewer than 100 closed-end loans a year), so those years are gaps in the record, not years without lending. Similar lenders are national banks making between half and twice its number of loans; it made more than about three in ten of the 84 of them, and the typical one made 40.
Its typical loan was $45,000, the smallest among similar lenders, whose typical loan was $185,000. Only a quarter of its loans were home purchases. Nearly half were refinances and another quarter were for home improvement, and that mix may account for much of the difference. On 29 loans these shares are rough guides.
It lends in four counties, all in Illinois. It has made loans in Bloomington and Peoria since 1998, and its share rounds to 0.0% in both. It ranked 127 of 221 lenders in Bloomington, where First State Mortgage Services led, and 206 of 289 in Peoria, where Citizens Equity First Credit Union led.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Atlanta National Bank took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.3% · Home improvement 24.1% · Purchase 24.1% · 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 | 29 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bloomington | 6 |
| Peoria | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q6X2WV4PYYV564 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 672238 | 2004–2016 |
| Respondent ID (the HMDA filer code before 2018) | 13711 | 1998–2016 |
Established 2 August 1887. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: The Atlanta National Bank's data.
The Atlanta National Bank's data
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The Atlanta National 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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