Applications / Mortgage Analytics / Lenders / Illinois / Old Plank Trail Community Bank
New Lenox, IL · National bank · OCC · $3.3 billion assets · 138 loans in 2025
Old Plank Trail Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
138
loans originated, 2025
171
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Old Plank Trail Community Bank makes larger home loans than nearly all national banks its size, and in 2025 it made 59% more of them.
Its typical loan was $795,000, against $182,500 at similar lenders (national banks making between half and twice as many loans). Jumbo loans (larger than the conforming limit) made up 35.3% of its lending, against 2.1%. It also bought 10 loans from other lenders; the typical peer bought none.
It made 138 loans in 2025, up from 87, while similar lenders grew 6% and the whole market 10%. Its record swings: 132 loans in 2022, then 46 in 2023. It filed no HMDA report for 2020 or 2021.
Majority-minority areas took 26.8% of its loans, against 6.9% at peers, a higher share than at more than four in five. Low- and moderate-income (LMI) borrowers took 14.4%, against 25.0%. A lender of large loans may simply see fewer LMI applicants.
Its loans reached 15 states and 31 metros. In Chicago-Naperville-Elgin, its home market, it ranked 178 of 902 lenders. Its share of Niles, MI rose.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Old Plank Trail Community Bank took 171 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.4% · Refinance 30.4% · Home improvement 1.4% · Other 0.7%
Conventional 100.0% · of 138 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 | 63 | 45.7% |
| California | 34 | 24.6% |
| Indiana | 16 | 11.6% |
| Arizona | 7 | 5.1% |
| Iowa | 3 | 2.2% |
| North Dakota | 3 | 2.2% |
| Florida | 2 | 1.4% |
| Michigan | 2 | 1.4% |
| Montana | 2 | 1.4% |
| Massachusetts | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 58 |
| Lake County-Porter County-Jasper County | 15 |
| Los Angeles-Long Beach-Glendale | 13 |
| Phoenix-Mesa-Chandler | 6 |
| Anaheim-Santa Ana-Irvine | 5 |
| Sacramento-Roseville-Folsom | 4 |
| San Diego-Chula Vista-Carlsbad | 3 |
| Des Moines-West Des Moines | 2 |
| Niles | 2 |
| Oakland-Fremont-Berkeley | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930010ZG6EHTCJ1L21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3404207 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124646 | 2007–2017 |
Established 16 March 2006. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Old Plank Trail Community Bank's data.
Old Plank Trail Community Bank's data
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