Applications / Mortgage Analytics / Lenders / Illinois / Municipal Trust and Savings Bank
Bourbonnais, IL · State non-member bank · FDIC · $355 million assets · 165 loans in 2025
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165
loans originated, 2025
195
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Municipal Trust and Savings Bank is the biggest mortgage lender in Kankakee, IL, though its lead narrowed in 2025.
In Kankakee, IL, where it has lent since at least 1990, it ranks 1 of 206 lenders. Its share fell from 9.9% to 7.7%. Rocket Mortgage is second. The lower share matches its own smaller volume in a year when lending across the whole market rose 10%.
It made 165 loans, 6% fewer than in 2024, while similar lenders (state non-member banks making between half and twice as many loans) typically grew 10%. The amount it lent fell to $39.8 million from $44.2 million. Its concentration in Kankakee, a small market it already leads, may be one reason: a few loans more or fewer move its total.
All its loans were conventional. Purchases were 64.2% of its loans, refinances 23.6% and home improvement 8.5%. Its typical loan, $165,000, was close to the $175,000 at similar lenders, and few were jumbo (larger than the conforming limit) or for manufactured homes.
Borrowers with low or moderate incomes took 30.5% of its loans, higher than at about three in five similar lenders. Its share in majority-minority areas, 6.1%, sat near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Municipal Trust and Savings Bank took 195 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.2% · Refinance 23.6% · Home improvement 8.5% · Other 3.6%
Conventional 100.0% · of 165 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 | 151 | 91.5% |
| Indiana | 7 | 4.2% |
| Florida | 4 | 2.4% |
| Colorado | 1 | 0.6% |
| Iowa | 1 | 0.6% |
| Michigan | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kankakee | 131 |
| Chicago-Naperville-Schaumburg | 17 |
| Lake County-Porter County-Jasper County | 7 |
| Cape Coral-Fort Myers | 3 |
| Dubuque | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HC145ABINEFL26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 460332 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323546 | 1990–2017 |
Established 2 October 1981. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Municipal Trust and Savings Bank's data.
Municipal Trust and Savings Bank's data
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