Growing with the market
It made 174 loans, up 10% from 158. That matched the growth of similar lenders (banks of the same type making between half and twice as many loans) and of the whole market. Two-thirds of its lending is for home purchase.
Applications / Mortgage Analytics / Lenders / Illinois / Bank & Trust Company (Litchfield, Illinois)
Bank & Trust Company (Litchfield, Illinois)
Litchfield, IL · State non-member bank · FDIC · $633 million assets · 174 loans in 2025
Bank & Trust Company (Litchfield, Illinois)'s data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
174
loans originated, 2025
217
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank & Trust Company (Litchfield, Illinois) is an Illinois lender of small home loans that grew in step with its peers in 2025, with Springfield as its main market.
Smaller loans than its rivals
Its typical loan was $125,000, against $175,000 at the typical peer, smaller than at about four in five similar lenders. It made no jumbo loans (larger than the conforming limit). So although it made more loans than about three in five peers, its $27.2 million in lending was less than most of theirs. Home-improvement and other-purpose loans, 8.0% and 5.2% of its book, may pull the typical size down.
Reaching poorer neighborhoods
Some 23.0% of its loans were in low- and moderate-income (LMI) neighborhoods, against 17.7% for the typical peer, and 31.0% went to LMI borrowers, against 27.8%. Both shares fell from 2024, when they were 28.5% and 38.7%, but both remain above its peers'. On a book of this size, a shift in where a small number of borrowers live or what they earn could account for the change.
A mid-sized lender in Springfield
It ranks 25 of 217 lenders in Springfield, where INB leads. Its share there slipped from 1.2% to 1.0%. That may reflect where its new loans went: it gained share in Champaign-Urbana, where it first lent in 2002, and first appeared in non-metro Kentucky 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
174 loans in 2025, against a peak of 460 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank & Trust Company (Litchfield, Illinois) took 217 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
66.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 66.7% · Refinance 20.1% · Home improvement 8.0% · Other 5.2%
Conventional 100.0% · of 174 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
4 states, 9 metros, 23 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 164 | 94.3% |
| Missouri | 6 | 3.4% |
| Florida | 3 | 1.7% |
| Kentucky | 1 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| St. Louis | 46 |
| Springfield | 46 |
| Cape Coral-Fort Myers | 2 |
| Champaign-Urbana | 2 |
| Decatur | 2 |
| Chicago-Naperville-Schaumburg | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Kansas City | 1 |
| Peoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TFL8UPEHU61608 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 496845 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31047 | 1997–2017 |
Established 1 September 1902. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Bank & Trust Company (Litchfield, Illinois)'s data.
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Bank & Trust Company (Litchfield, Illinois)'s data
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