Applications / Mortgage Analytics / Lenders / Illinois / Williamsville State Bank & Trust
Williamsville, IL · State non-member bank · FDIC · $92.7 million assets · 29 loans in 2025
Williamsville State Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
29
loans originated, 2025
38
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Williamsville State Bank & Trust is a small lender near Springfield, Illinois, whose typical loan, $85,000, was about half the size of similar banks'.
Its loans fell 31% from 42, while similar lenders, meaning state non-member banks making between half and twice as many loans, held steady and the whole market grew 10%. Its share of Springfield fell from 0.6% to 0.3%; INB leads that market. At this size a dozen loans more or less moves the count a great deal. It has reported since 1990, with a gap for 2020, when it filed no report.
Its typical loan was $85,000, against $175,000 at similar lenders, lower than more than nine in ten of them. Manufactured homes made up 41.4% of its loans, against 2.2% at its peers, which may explain the small loans. Home purchases made up 62.1% of its lending, and every loan was conventional.
Some 44.8% of its loans went to low- and moderate-income (LMI) neighborhoods, against 19.0% at its peers, and 46.4% to LMI borrowers, against 25.0%. On so few loans these shares are a tendency rather than a firm measure, but both point the same way.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Williamsville State Bank & Trust took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.1% · Refinance 24.1% · Home improvement 10.3% · 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 |
|---|---|
| Springfield | 26 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003K5GJU8VB60Z66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 365848 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312388 | 1990–2016 |
Established 1 January 1890. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Williamsville State Bank & Trust's data.
Williamsville State Bank & Trust's data
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Williamsville State Bank & Trust 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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