Lenders › West Central Bank › Illinois
West Central Bank in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Illinois, West Central Bank reported 168 applications and 165 originations for 2024, $23m in all.
Its denial rate in the state was 1.2%, below the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 1.2%.
Applications in the state were up 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | West Central Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.2% | 23.3% | 1.2% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.4% | — | 15.6% |
| Average originated loan | $140k | $273k | $145k | $329k |
| Home purchase share | 54.5% | 61.1% | 54.5% | 57.0% |
| FHA-insured share | 0.0% | 10.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 55% (90)Refinancing 40% (66)Other purpose 5% (9)
By type
Conventional 100% (165)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cass County | 67 | 65 | $5.7m | 1.5% |
| Sangamon County | 54 | 54 | $12m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did West Central Bank originate in Illinois in 2024?
165 loans totalling $23m, from 168 applications reported for properties in Illinois.
What is West Central Bank's denial rate in Illinois?
1.2% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 1.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does West Central Bank lend in most?
By originations: Cass County (65), Sangamon County (54).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.