Applications / Mortgage Analytics / Lenders / Illinois / Libertyville Bank & Trust Company
Libertyville, IL · National bank · OCC · $3.1 billion assets · 121 loans in 2025
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121
loans originated, 2025
150
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Libertyville Bank & Trust Company is a jumbo lender: its typical loan, $815,000, is larger than at nearly all similar banks, and it lends in 17 states.
Jumbo loans (larger than the conforming limit) made up 35.0% of its lending, against 2.8% at similar lenders (national banks making between half and twice as many loans). Its typical similar bank lends $185,000 a time. With only 121 loans, it lent $122.0 million, more than nine in ten of them.
Its loans rose 30%, against 3% at similar lenders and 10% across the whole market. It filed no report for 2020 or 2021, so its record has a gap there. It made 127 loans in 2022 and 53 in 2023.
Its main state is Illinois, but its loans reach 43 metros and 57 counties. In Chicago-Naperville-Elgin, its largest market, it ranks 186th of 902 lenders. In 2025 it entered several new markets, among them Tucson, Nashville and San Jose.
Low- and moderate-income (LMI) borrowers took 3.5% of its loans, against 23.9% at similar lenders, among the lowest tenth. Its very large loans are a possible reason, since few LMI borrowers take loans of that size. Majority-minority neighborhoods took 17.4% of its loans, against 7.7%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Libertyville Bank & Trust Company took 150 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.0% · Refinance 34.7% · Home improvement 1.7% · Other 1.7%
Conventional 100.0% · of 121 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 | 55 | 45.5% |
| California | 21 | 17.4% |
| Florida | 7 | 5.8% |
| Wisconsin | 7 | 5.8% |
| Iowa | 6 | 5.0% |
| Montana | 5 | 4.1% |
| Arizona | 4 | 3.3% |
| Michigan | 3 | 2.5% |
| Minnesota | 3 | 2.5% |
| North Dakota | 2 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County | 29 |
| Chicago-Naperville-Schaumburg | 24 |
| Los Angeles-Long Beach-Glendale | 5 |
| Des Moines-West Des Moines | 4 |
| Grand Forks | 3 |
| Anaheim-Santa Ana-Irvine | 2 |
| Grand Rapids-Wyoming-Kentwood | 2 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Oakland-Fremont-Berkeley | 2 |
| Oxnard-Thousand Oaks-Ventura | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 01ERPZV3DOLNXY2MLB90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2339795 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 22339795 | 1996–2017 |
Established 10 October 1995. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Libertyville Bank & Trust Company's data.
Libertyville Bank & Trust Company's data
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Libertyville 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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