Applications / Mortgage Analytics / Lenders / Illinois / The Havana National Bank
Havana, IL · National bank · OCC · $325 million assets · 22 loans in 2025
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22
loans originated, 2025
28
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Havana National Bank is a very small Illinois lender: it made 22 home loans in 2025, two more than a year earlier.
It has made between 20 and 30 loans in every year it reported since 2018. It filed no reports for 2020, 2021 and 2022, when banks of its size need not report; those are gaps in the record, not years without lending. Its 10% rise in 2025 compares with a 17% fall at the typical similar lender (national banks making between half and twice as many loans).
Its loans are modest. The typical one was $95,000, about half the $185,000 typical at similar lenders, and it lent $2.5 million in all. On 22 loans, a few large or small ones would shift that figure, so it describes this year rather than a settled pattern.
Purchases made up 68.2% of its loans and refinancing 31.8%. Shares of lending to particular borrowers or neighborhoods rest on too few loans to read much into.
Its lending covers 8 counties, all in Illinois. It ranks 214 of 572 lenders in non-metro Illinois, where it first reported in 2006. It holds a sliver of the Peoria, Champaign-Urbana and Bloomington markets; in Peoria, Citizens Equity First Credit Union leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Havana National Bank took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.2% · Refinance 31.8%
Conventional 90.9% · VA 9.1% · of 22 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 | 22 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Peoria | 2 |
| Bloomington | 1 |
| Champaign-Urbana | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BO5UTSDB76V724 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 940731 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 12242 | 2006–2017 |
Established 30 March 1875. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: The Havana National Bank's data.
The Havana National Bank's data
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The Havana 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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