Applications / Mortgage Analytics / Lenders / Illinois / Lake Forest Bank & Trust Company
Lake Forest, IL · National bank · OCC · $9.4 billion assets · 155 loans in 2025
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155
loans originated, 2025
176
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lake Forest Bank & Trust Company is a jumbo lender: its typical loan in 2025 was $985,000, and its loan count rose 48%.
Its typical loan of $985,000 compares with $185,000 at similar lenders (national banks making between half and twice as many loans), higher than at nearly all of them. Jumbo loans (larger than the conforming limit) made up 62.2% of its lending, against 2.1% at peers.
Its originations rose 48%, against 5% at similar lenders and 10% for the market, faster than at about nine in ten peers. It made 66 loans in 2018 and 105 in 2024. It filed no HMDA report for 2020 or 2021.
Borrowers with low and moderate incomes (LMI) took 1.7% of its loans, against 24.7% at peers, among the lowest. With a typical loan of $985,000, few borrowers may fall within LMI income limits, and loan size could account for much of this. Majority-minority areas took 27.1%, against 7.5%, more than at four in five peers. Its share in LMI neighborhoods, 16.9%, was near the middle.
It lent in 15 states and 29 metros. In Naples-Marco Island it ranked 58 of 595 lenders, with 0.4% of the market, up 0.3 points. In 2025 it lent for the first time on record in non-metro Florida, non-metro Utah and Colorado Springs.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Lake Forest Bank & Trust Company took 176 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.8% · Refinance 40.6% · Other 1.9% · Home improvement 0.6%
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
| State | Loans | Share |
|---|---|---|
| Illinois | 76 | 49.0% |
| California | 29 | 18.7% |
| Florida | 25 | 16.1% |
| Minnesota | 6 | 3.9% |
| Montana | 4 | 2.6% |
| Wisconsin | 3 | 1.9% |
| Michigan | 2 | 1.3% |
| North Carolina | 2 | 1.3% |
| Tennessee | 2 | 1.3% |
| Arizona | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County | 40 |
| Chicago-Naperville-Schaumburg | 35 |
| Naples-Marco Island | 17 |
| Anaheim-Santa Ana-Irvine | 6 |
| Minneapolis-St. Paul-Bloomington | 6 |
| Los Angeles-Long Beach-Glendale | 5 |
| Oakland-Fremont-Berkeley | 5 |
| Riverside-San Bernardino-Ontario | 4 |
| San Francisco-San Mateo-Redwood City | 3 |
| San Jose-Sunnyvale-Santa Clara | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004MWCDBCBTXE044 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1917301 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 21917301 | 1993–2016 |
| Respondent ID (the HMDA filer code before 2018) | 125149 | 2017–2017 |
Established 21 May 1986. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Lake Forest Bank & Trust Company's data.
Lake Forest Bank & Trust Company's data
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Lake Forest Bank & Trust Company 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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