Applications / Mortgage Analytics / Lenders / Illinois / Bank of Pontiac
Pontiac, IL · State member bank · FRS · $1.2 billion assets · 293 loans in 2025
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293
loans originated, 2025
339
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Pontiac, an Illinois bank, grew its lending 14% in 2025, about double the pace of similar lenders, and lends more to poorer borrowers than most of them.
It made 293 loans, up from 256, while similar lenders (state member banks making between half and twice as many loans) grew 7%. The amount it lent rose to $86.1 million from $54.7 million. It first reported in 2019, and made 623 loans in 2020.
Its typical loan was $145,000, against $195,000, smaller than at about three in four similar lenders. Low- and moderate-income (LMI) borrowers took 34.8% of its loans, against 28.0%, up from 24.6% in 2020. Majority-minority areas took 14.7%, against 5.9%. Its lending in Chicago-Naperville-Elgin, where it ranked 179 of 902, may be one reason.
In Bloomington, where it or a bank it merged with has lent since at least 1990, it ranked 31 of 221 and its share fell 0.6 points to 0.6%. First State Mortgage Services led that market. Its Peoria share slipped 0.1 points to 0.1%. At this size a few loans either way move a share. In non-metro Illinois it ranked 38 of 572.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of Pontiac took 339 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.3% · Refinance 33.4% · Home improvement 5.1% · Other 5.1%
Conventional 100.0% · of 293 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 | 240 | 81.9% |
| Indiana | 51 | 17.4% |
| Arizona | 1 | 0.3% |
| Michigan | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County-Porter County-Jasper County | 47 |
| Chicago-Naperville-Schaumburg | 46 |
| Bloomington | 22 |
| Peoria | 10 |
| Champaign-Urbana | 4 |
| Michigan City-La Porte | 3 |
| Elgin | 2 |
| Kankakee | 1 |
| Lake County | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000KJ6VEEFTSNI20 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 930442 | 2019–2023 |
Established 6 September 1947. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Bank of Pontiac's data.
Bank of Pontiac's data
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Bank of Pontiac 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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