A modest recovery
It made 148 loans, up from 133, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. It was a second year of gentle recovery: it made 465 loans in 2020 and only 127 in 2023.
Applications / Mortgage Analytics / Lenders / Illinois / Holcomb Bank
Holcomb Bank
Rochelle, IL · State non-member bank · FDIC · $312 million assets · 148 loans in 2025
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148
loans originated, 2025
180
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Holcomb Bank, an Illinois bank that lends mostly to home buyers, grew 11% in 2025, in step with its peers, and won a foothold in Kankakee.
Old ground and new
In Rockford, where it has lent since at least 1990, it ranked 39 of 302 lenders, its share steady at 0.6%. In Kankakee, which it entered in 2020, its share rose from 0.0% to 0.5%, ranking 37 of 206. Shares are measured in dollars, so a few larger loans may account for much of that rise. Its largest market is non-metro Illinois, where it ranked 74 of 572.
Plain purchase loans
Purchases made up 63.5% of its loans and refinances 29.1%. Every loan was conventional, with no jumbo loans and no manufactured homes. Its typical loan, $165,000, was near peers' $175,000.
Fewer poorer borrowers
Low- and moderate-income (LMI) borrowers took 19.7% of its loans, against 28.1% at peers, lower than at about three in four similar lenders. The incomes of applicants in its markets, or its tilt toward purchases, may account for this. Majority-minority areas took 8.1%, against 5.0%.
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
148 loans in 2025, against a peak of 465 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Holcomb Bank took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
63.5% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 63.5% · Refinance 29.1% · Home improvement 4.7% · Other 2.7%
Conventional 100.0% · of 148 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
5 states, 10 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 140 | 94.6% |
| Wisconsin | 4 | 2.7% |
| Florida | 2 | 1.4% |
| Indiana | 1 | 0.7% |
| Ohio | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Rockford | 33 |
| Elgin | 19 |
| Chicago-Naperville-Schaumburg | 5 |
| Cleveland | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Kankakee | 1 |
| Lake County | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
| Peoria | 1 |
| Terre Haute | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JRDBJ5RPA6TY76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 568135 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39080 | 1990–2017 |
Established 5 July 1892. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Holcomb Bank's data.
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