Very big loans
Its typical loan was $805,000, against $185,000 at similar lenders (national banks making between half and twice as many loans), larger than at more than nine in ten of them. Purchases made up 52.3% of its loans and refinances 41.3%.
Applications / Mortgage Analytics / Lenders / Illinois / Hinsdale Bank & Trust Company
Hinsdale Bank & Trust Company
Hinsdale, IL · National bank · OCC · $6.1 billion assets · 155 loans in 2025
Hinsdale Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
155
loans originated, 2025
187
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hinsdale Bank & Trust Company is a jumbo lender: 49.2% of its loans were larger than the conforming limit, against 2.1% at similar lenders.
A buyer of loans
It bought 39 loans from other lenders in 2025, up from 30. The typical similar lender bought none. Five years before, it bought 1.
Few modest borrowers
Low- and moderate-income (LMI) borrowers took 7.6% of its loans, fewer than at more than nine in ten similar lenders. Loans of its size may simply go mostly to higher-income buyers. Majority-minority areas took 14.2% of its loans, against 7.5% at its peers.
Fewer dollars, new places
It ranks 91 of 902 lenders in Chicago-Naperville-Elgin, a market it has served since at least 1990. Its lending fell to $151.1 million from $194.6 million on almost the same number of loans. A lower jumbo share, 49.2% against 56.8% in 2024, could account for much of that. In 2025 it first lent in Birmingham, Billings, Salinas and Duluth.
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
155 loans in 2025, against a peak of 193 in 2022.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hinsdale Bank & Trust Company took 187 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
52.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 52.3% · Refinance 41.3% · Home improvement 6.5%
Conventional 100.0% · of 155 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
12 states, 18 metros, 27 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 128 | 82.6% |
| California | 5 | 3.2% |
| Indiana | 4 | 2.6% |
| Florida | 3 | 1.9% |
| Iowa | 3 | 1.9% |
| Wisconsin | 3 | 1.9% |
| Alabama | 2 | 1.3% |
| Michigan | 2 | 1.3% |
| Montana | 2 | 1.3% |
| Arizona | 1 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 125 |
| Lake County-Porter County-Jasper County | 4 |
| Des Moines-West Des Moines | 3 |
| Birmingham | 2 |
| Elgin | 2 |
| Billings | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Duluth | 1 |
| Lake County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9LIMABRJ9VPV74PBJB17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2119773 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22119773 | 1994–2017 |
Established 28 October 1993. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Hinsdale Bank & Trust Company's data.
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