Applications / Mortgage Analytics / Lenders / Illinois / The Bradford National Bank of Greenville
Greenville, IL · National bank · OCC · $656 million assets · 156 loans in 2025
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156
loans originated, 2025
195
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bradford National Bank of Greenville, a small Illinois bank, lends to modest earners and poorer neighborhoods far more than similar banks do, and the habit has grown in five years.
Borrowers with low or moderate incomes (LMI) took 45.8% of its loans in 2025, against 24.5% at similar lenders (national banks making between half and twice as many loans). That is higher than at more than nine in ten of them, and more than double its own 20.4% five years before. LMI neighborhoods took 29.5% of its loans, against 15.1% at peers.
Its typical loan was $125,000, against $185,000 at similar lenders, smaller than at more than four in five. Every loan was conventional, and purchases made up 56.4% of its lending. Manufactured homes, at 1.9%, were no more common than at peers, so cheaper housing of that kind does not explain the small loans.
Its loans rose 13% in 2025, to 156, against 5% at similar lenders and 10% for the whole market. That followed four years of decline from 409 in 2020.
Its largest market is St. Louis, where it ranks 135 of 637 lenders with a steady 0.1% share; Guild Mortgage Company leads. It also ranks 135 of 510 in Louisville, a market it entered in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Bradford National Bank of Greenville took 195 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.4% · Refinance 29.5% · Home improvement 10.3% · Other 3.8%
Conventional 100.0% · of 156 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 | 149 | 95.5% |
| Missouri | 5 | 3.2% |
| Florida | 1 | 0.6% |
| Kentucky | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 119 |
| Louisville/Jefferson County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BK51FTOVBDMC15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 720746 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 19734 | 1999–2017 |
Established 1 January 1867. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: The Bradford National Bank of Greenville's data.
The Bradford National Bank of Greenville's data
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The Bradford National Bank of Greenville 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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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.
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