Applications / Mortgage Analytics / Lenders / Illinois / Beverly Bank & Trust Company
Chicago, IL · National bank · OCC · $2.5 billion assets · 65 loans in 2025
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65
loans originated, 2025
89
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Beverly Bank & Trust Company, a Chicago bank, makes big loans and is making more of them: its lending rose 33% in 2025, against 3% at similar banks.
Its typical loan was $665,000. At similar lenders (national banks making between half and twice as many loans) it was $175,000. Jumbo loans, those larger than the conforming limit, made up 39.2% of its lending, against 3.1% at its peers. Purchases and refinances accounted for nearly all of the rest.
Neighborhoods where most residents belong to minority groups took 43.1% of its loans, against 7.7% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 30.8%, against 16.1%. Its share of loans to LMI borrowers was lower than its peers', at 17.3% against 23.4%. Its large loan sizes may be one reason.
It made 65 loans, up from 49 in 2024, while the whole market grew by 10%. Its loans now reach 10 states. It entered Los Angeles in 2022, San Francisco in 2023 and Canton, OH, in 2025, though its shares there are small. It filed no HMDA report for 2020 and 2021; those are gaps in the record, not years without lending.
It bought 9 loans in 2025 and 15 in 2024. That is more than nine in ten similar lenders, most of which bought none.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Beverly Bank & Trust Company took 89 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.8% · Refinance 43.1% · Home improvement 3.1% · Other 3.1%
Conventional 100.0% · of 65 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 | 47 | 72.3% |
| California | 8 | 12.3% |
| Minnesota | 2 | 3.1% |
| Montana | 2 | 3.1% |
| Arizona | 1 | 1.5% |
| Iowa | 1 | 1.5% |
| Indiana | 1 | 1.5% |
| North Carolina | 1 | 1.5% |
| New Jersey | 1 | 1.5% |
| Ohio | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 46 |
| Anaheim-Santa Ana-Irvine | 2 |
| Minneapolis-St. Paul-Bloomington | 2 |
| Oakland-Fremont-Berkeley | 2 |
| Canton-Massillon | 1 |
| Des Moines-West Des Moines | 1 |
| Elgin | 1 |
| Lake County-Porter County-Jasper County | 1 |
| Lakewood-New Brunswick | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FOO7XNZ1564N12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3216017 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124466 | 2005–2017 |
Established 1 April 2004. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Beverly Bank & Trust Company's data.
Beverly Bank & Trust Company's data
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Beverly 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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