Applications / Mortgage Analytics / Lenders / Illinois / First Bank of Manhattan
Manhattan, IL · State member bank · FRS · $261 million assets · 41 loans in 2025
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41
loans originated, 2025
68
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank of Manhattan, a small Illinois bank, makes small loans for purchase, refinance and other purposes in equal measure, and has made fewer loans each year since 2022.
Its typical loan was $85,000, against $185,000 at similar lenders (state member banks making between half and twice as many loans), among the lowest tenth of them. What it lends for may explain the gap. Other-purpose loans made up 29.3% of its lending and home improvement 12.2%. Manufactured homes were 9.8% of its loans; at the typical peer they were 0.0%.
It made 41 loans, down 9% from 45, while similar lenders grew 5% and the whole market 10%. It made 110 loans in 2022 before falling to 57 in 2023, and it has drifted lower since.
Low- and moderate-income (LMI) borrowers took 32.1% of its loans, up from 25.8% and higher than about three in four similar lenders, though on so few loans a handful more or less moves the figure. Its share of loans in LMI neighborhoods, 17.1%, was near the middle of its peers.
In Kankakee it ranked 128 of 206 lenders, with 0.1% of the market's dollars; Municipal Trust and Savings Bank leads that market. It also lends in Tennessee and, for the first time in 2025, around Cape Coral-Fort Myers in Florida, where it ranked 797 of 798.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Bank of Manhattan took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 29.3% · Purchase 29.3% · Refinance 29.3% · Home improvement 12.2%
Conventional 100.0% · of 41 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 | 38 | 92.7% |
| Florida | 1 | 2.4% |
| Indiana | 1 | 2.4% |
| Tennessee | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 35 |
| Kankakee | 3 |
| Cape Coral-Fort Myers | 1 |
| Lake County-Porter County-Jasper County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VBLC1LTYHXGB54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 238139 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18713 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 2238139 | 2005–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Bank of Manhattan's data.
First Bank of Manhattan's data
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First Bank of Manhattan 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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