Applications / Mortgage Analytics / Lenders / Illinois / Byron Bank
Byron, IL · State non-member bank · FDIC · $360 million assets · 140 loans in 2025
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140
loans originated, 2025
170
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Byron Bank's lending fell 24% in 2025, a steeper drop than nearly all similar lenders, and it lost ground in Rockford, its main market.
Originations fell to 140 from 185, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market grew 10%; only about one in twenty peers had lower growth. It made 995 loans in 2020. A small bank's volume can swing on local demand or its appetite for holding loans.
It ranks 13 of 302 in Rockford, where it has lent since 1994, but its share fell 0.6 points to 1.8%. GreenState Credit Union and First Mid Bank & Trust lead that market. Elsewhere its shares are too small to measure.
26.4% of its loans were in LMI (low- and moderate-income) tracts, against 17.5% for similar lenders, and 15.0% in majority-minority tracts, against 5.1%. Both are lower than a year earlier, at 38.0% and 27.6%. On 140 loans, a handful of loans moving between neighbourhoods shifts these shares, so the fall may not reflect a change in approach.
Every loan was conventional. Its share to LMI borrowers, 23.4%, was lower than the peers' 28.0%; its markets or its loan sizes could account for that, and on 140 loans a few borrowers move the share.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Byron Bank took 170 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.3% · Refinance 28.6% · Other 2.1%
Conventional 100.0% · of 140 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 | 131 | 93.6% |
| Wisconsin | 6 | 4.3% |
| Arkansas | 1 | 0.7% |
| Florida | 1 | 0.7% |
| Michigan | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockford | 97 |
| Janesville-Beloit | 3 |
| Chicago-Naperville-Schaumburg | 2 |
| Champaign-Urbana | 1 |
| Elgin | 1 |
| Hot Springs | 1 |
| Madison | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900KE9OJJUH139Q12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 325534 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3902 | 1994–2017 |
Established 1 July 1932. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Byron Bank's data.
Byron Bank's data
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Byron 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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