Applications / Mortgage Analytics / Lenders / Illinois / First Trust Bank of Illinois
Kankakee, IL · State non-member bank · FDIC · $384 million assets · 64 loans in 2025
First Trust Bank of Illinois's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
64
loans originated, 2025
81
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Trust Bank of Illinois is a hometown lender of small loans, ranked 16 of 206 lenders in Kankakee, and its lending slipped in 2025 while similar lenders grew.
It made 64 loans, 4% fewer than in 2024, while similar lenders (state non-member banks making between half and twice as many loans) rose 9% and the market 10%. Its count peaked at 179 in 2020 and has eased every year since.
Its typical loan, $100,000, was lower than at about nine in ten peers, whose typical loan was $170,000. It made no jumbo loans, those larger than the conforming limit. Other-purpose loans (18.8%) and home-improvement loans (10.9%) may account for the smaller size.
Low- and moderate-income (LMI) borrowers took 31.6% of its loans, against 27.2% at peers. LMI areas took 10.9%, down from 17.9% and lower than at about three-quarters of peers; with 64 loans, a handful of loans moves that share. Majority-minority areas took 12.5%, against 6.8%.
In Kankakee, which it has served since 1999, its share fell 0.3 points to 1.2%. Its own small fall in lending may be the reason. Municipal Trust and Savings Bank led the market, followed by Rocket Mortgage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Trust Bank of Illinois took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.3% · Refinance 25.0% · Other 18.8% · Home improvement 10.9%
Conventional 100.0% · of 64 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 | 57 | 89.1% |
| Indiana | 3 | 4.7% |
| Florida | 2 | 3.1% |
| Georgia | 1 | 1.6% |
| Tennessee | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kankakee | 42 |
| Chicago-Naperville-Schaumburg | 4 |
| Lake County-Porter County-Jasper County | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Cape Coral-Fort Myers | 1 |
| Champaign-Urbana | 1 |
| Lafayette-West Lafayette | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T3MSPBPSPZLR85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2718596 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334778 | 1999–2017 |
Established 30 July 1998. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: First Trust Bank of Illinois's data.
First Trust Bank of Illinois's data
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First Trust Bank of Illinois 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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