Applications / Mortgage Analytics / Lenders / Illinois / The First National Bank of Raymond
Raymond, IL · National bank · OCC · $180 million assets · 30 loans in 2025
The First National Bank of Raymond's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
30
loans originated, 2025
35
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The First National Bank of Raymond is a very small lender of small loans: it made 30 in 2025, typically for $55,000, against $180,000 at similar lenders.
Its typical loan was smaller than at almost any similar lender, meaning national banks making between half and twice as many loans. Only 26.7% of its loans paid for a home; refinances made up 46.7% and home improvement 16.7%. Manufactured homes were 13.3% of its loans, where the typical similar lender made none. Loans of these kinds tend to be smaller, which may explain part of the gap.
Its loans fell 19% in 2025, to 30 from 37, while the typical similar lender lost 3% and the whole market grew 10%. With so few loans, a handful either way moves the figure a long way. It made 57 in 2018. It filed no report for 2020 to 2022; small banks need not report in years with fewer than 100 closed-end loans, so those years are gaps in the record, not years without lending.
All its lending is in Illinois, across four counties. It has lent in Springfield since 1993 and holds 0.1% of that market, ranking 68 of 217 lenders. Its share there did not change in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The First National Bank of Raymond took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.7% · Purchase 26.7% · Home improvement 16.7% · Other 10.0%
Conventional 100.0% · of 30 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 | 30 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 8 |
| Springfield | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZK7EAZ7CRGCU94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 421445 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16910 | 1993–2017 |
Established 1 October 1903. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: The First National Bank of Raymond's data.
The First National Bank of Raymond's data
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The First National Bank of Raymond 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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