Applications / Mortgage Analytics / Lenders / Illinois / Gold Coast Bank
Chicago, IL · State non-member bank · FDIC · $460 million assets · 253 loans in 2025
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253
loans originated, 2025
268
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gold Coast Bank, a Chicago bank, makes loans more than twice the size of those at similar lenders, and it lends across 22 states.
Its typical loan was $435,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at nearly all of them. Jumbo loans, those larger than the conforming limit, made up 10.0% of its lending, against 1.4%. With 253 loans it lent $142.7 million, more than about nine in ten of its peers.
Low- and moderate-income (LMI) borrowers took 11.4% of its loans, against 28.1% at similar lenders, among the lowest twentieth. Its large loans and a purchase share of 64.4% suggest buyers of costlier homes, which may account for this. Majority-minority neighborhoods took 14.6% of its loans, against 6.5%.
It ranks 90 of 902 lenders in Chicago-Naperville-Elgin, IL-IN, its largest market, and lends in 26 metros. In 2025 it made its first loans in Coeur d'Alene, ID, non-metro New York and non-metro Virginia.
It made 844 loans in 2020 and 839 in 2021, then fell to 237 by 2023. It has edged up since. Its 2% rise in 2025 was below the 9% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gold Coast Bank took 268 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.4% · Refinance 32.4% · Home improvement 1.6% · Other 1.6%
Conventional 98.4% · FHA 1.6% · of 253 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 | 221 | 87.4% |
| California | 6 | 2.4% |
| Arizona | 3 | 1.2% |
| Texas | 3 | 1.2% |
| Idaho | 2 | 0.8% |
| New York | 2 | 0.8% |
| Colorado | 1 | 0.4% |
| Florida | 1 | 0.4% |
| Indiana | 1 | 0.4% |
| Kansas | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 194 |
| Lake County | 22 |
| Elgin | 5 |
| Phoenix-Mesa-Chandler | 3 |
| Coeur d'Alene | 2 |
| Houston-Pasadena-The Woodlands | 2 |
| Los Angeles-Long Beach-Glendale | 2 |
| San Francisco-San Mateo-Redwood City | 2 |
| Akron | 1 |
| Albany-Schenectady-Troy | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003X9FWFI47DPO39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3593307 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358556 | 2008–2017 |
Established 4 June 2007. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Gold Coast Bank's data.
Gold Coast Bank's data
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Gold Coast 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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