Applications / Mortgage Analytics / Lenders / Illinois / Blackhawk Bank & Trust
Milan, IL · State non-member bank · FDIC · $1.9 billion assets · 210 loans in 2025
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210
loans originated, 2025
285
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blackhawk Bank & Trust lends to poorer borrowers more often than nine in ten similar banks, and does it with small, conventional loans.
Low- and moderate-income (LMI) borrowers took 42.2% of its loans, against 27.9% at similar lenders (state non-member banks making between half and twice as many loans). LMI areas took 31.3%, up from 24.5% in 2024 and against 17.5% at peers.
Its typical loan was $105,000, against $175,000 at peers, lower than at about nine in ten of them. Every loan was conventional, and home purchases made up 66.7%.
In Davenport-Moline-Rock Island, where it has lent since at least 1990, it ranked 17 of 288 lenders with 1.8%, down from 2.5%; GreenState Credit Union led. Share is measured in dollars: its loan count rose, but its dollar total fell from $43.6 million to $36.1 million, possibly because it made fewer large loans.
Originations rose 9%, close to the 10% at peers and in the whole market. Its yearly count peaked at 475 in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Blackhawk Bank & Trust took 285 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 28.1% · Home improvement 4.8% · Other 0.5%
Conventional 100.0% · of 210 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 | 157 | 74.8% |
| Iowa | 44 | 21.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Davenport-Moline-Rock Island | 190 |
| Elgin | 5 |
| Lake County | 1 |
| Rockford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002L7I6EYKW3NG91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 890742 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318402 | 1990–2017 |
Established 28 June 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Blackhawk Bank & Trust's data.
Blackhawk Bank & Trust's data
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Blackhawk 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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