Applications / Mortgage Analytics / Lenders / Illinois / Byline Bank
Chicago, IL · State non-member bank · FDIC · $9.6 billion assets · 44 loans in 2025
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44
loans originated, 2025
69
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Byline Bank makes few mortgages but big ones: its typical loan in 2025 was $605,000, against $165,000 at similar lenders.
Its 44 loans came to $68.2 million. That is higher than at almost all similar lenders, state non-member banks making between half and twice as many loans, whose typical total was $13.2 million. Jumbo loans (larger than the conforming limit) were 22.2% of its loans, against 1.6% at peers. Every loan was conventional.
It made 44 loans, up 76% from 25 in 2024, while similar lenders grew 3%. Its 2025 merger with First Security Trust and Savings Bank may account for some of the rise. It made 82 in 2023 and filed no report for 2020 to 2022, gaps in the record. With counts this small, a few loans change the trend.
Majority-minority neighborhoods took 34.1% of its loans, against 5.6% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 27.3%, against 18.7%. Yet it reported no loans to LMI borrowers, against 28.2% at peers. Its large loan sizes, which suit higher-income borrowers, are one possible reason.
Its loans spread over 8 metros in 8 states, each with a small share. It has lent in the Chicago area since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Byline Bank took 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 40.9% · Home improvement 9.1%
Conventional 100.0% · of 44 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 | 36 | 81.8% |
| Michigan | 2 | 4.5% |
| Indiana | 1 | 2.3% |
| Minnesota | 1 | 2.3% |
| North Carolina | 1 | 2.3% |
| New York | 1 | 2.3% |
| Virginia | 1 | 2.3% |
| Wisconsin | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 34 |
| Grand Rapids-Wyoming-Kentwood | 2 |
| Lake County | 2 |
| Durham-Chapel Hill | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Minneapolis-St. Paul-Bloomington | 1 |
| Nassau County-Suffolk County | 1 |
| Richmond | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930011HPXXLJN2D407 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 129732 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320624 | 1990–2017 |
Established 1 March 1972. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Byline Bank's data.
Byline Bank's data
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Byline Bank 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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