Applications / Mortgage Analytics / Lenders / Illinois / Evergreen Bank Group
Oak Brook, IL · State non-member bank · FDIC · $1.4 billion assets · 175 loans in 2025
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175
loans originated, 2025
361
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Evergreen Bank Group, an Illinois bank, is a manufactured-home lender spread thinly over 13 states, and its loans fell 57% in 2025.
Manufactured homes made up 28.6% of its loans, against 2.8% at similar lenders (state non-member banks making between half and twice as many loans), higher than nearly all of them. Home improvement and other purposes took 28.0% each. Its typical loan, $105,000, was smaller than at about nine in ten peers.
Illinois is its main state, but it lent in 13 states and 31 metros. It has lent in Chicago-Naperville-Elgin, IL-IN since 2001, where it ranks 283 of 902, and entered six other metros in 2024 or 2025. Its share in each is too small to read much into.
Its loans fell 57%, from 406 to 175, while similar lenders and the whole market grew 10%. Its dollar volume fell from $47.2 million to $23.6 million. With so few loans, a change in one product line could move the total this much. It filed no report for 2018, 2020 or 2021; those are gaps in the record, not years without lending.
Low- and moderate-income (LMI) borrowers took 25.3% of its loans, near the middle of similar lenders. LMI neighborhoods took 12.0%, against 17.8%, lower than about seven in ten peers. Majority-minority neighborhoods took 9.7%, against 6.2%. Where its manufactured-home and home-improvement borrowers live could account for either.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Evergreen Bank Group took 361 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 28.0% · Other 28.0% · Purchase 26.3% · Refinance 17.7%
Conventional 100.0% · of 175 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 | 125 | 71.4% |
| Arizona | 12 | 6.9% |
| Michigan | 10 | 5.7% |
| New York | 7 | 4.0% |
| Delaware | 5 | 2.9% |
| Pennsylvania | 5 | 2.9% |
| New Jersey | 4 | 2.3% |
| Florida | 2 | 1.1% |
| Colorado | 1 | 0.6% |
| Idaho | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 104 |
| Lake County | 14 |
| Elgin | 5 |
| Phoenix-Mesa-Chandler | 4 |
| Tucson | 4 |
| Lakewood-New Brunswick | 3 |
| Montgomery County-Bucks County-Chester County | 3 |
| Prescott Valley-Prescott | 3 |
| Ann Arbor | 2 |
| Nassau County-Suffolk County | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002CAA1SKNHHUI24 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2834759 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335230 | 2001–2016 |
Established 5 October 1999. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Evergreen Bank Group's data.
Evergreen Bank Group's data
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Evergreen Bank Group 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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