Applications / Mortgage Analytics / Lenders / Illinois / FNBC Bank & Trust
La Grange, IL · State non-member bank · FDIC · $598 million assets · 71 loans in 2025
FNBC Bank & Trust's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
71
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FNBC Bank & Trust is a Chicago-area bank that makes large loans, typically $495,000, and in 2025 it grew faster than most banks its size.
Its typical loan of $495,000 was larger than at about nineteen in twenty similar lenders, meaning state non-member banks making between half and twice as many loans, where it was $175,000. Jumbo loans (larger than the conforming limit) made up 5.3%, against 1.7%. Its largest market is the Chicago area, where it ranked 203rd of 902 lenders and has reported since at least 1990.
Its loans rose 16%, from 61 to 71, while similar lenders grew 9% and the whole market 10%. Purchases made up 63.4% and refinancing 35.2%.
Majority-minority neighborhoods took 33.8% of its loans, up from 21.3% in 2024 and 12.8% in 2020, against 6.5% at similar lenders. Poorer neighborhoods (low- and moderate-income tracts) took 18.3%, up from 6.7% and level with similar lenders.
Low- and moderate-income borrowers took 19.4% of its loans, against 27.3% at similar lenders. One possible reason is its loan size: a bank whose typical loan is $495,000 may lend more to higher earners. On 71 loans, a few borrowers move the share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FNBC Bank & Trust took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.4% · Refinance 35.2% · Home improvement 1.4%
Conventional 100.0% · of 71 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 | 71 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 68 |
| Lake County | 2 |
| Elgin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FQ2SN6TRRGB032 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 608844 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311306 | 1990–2017 |
Established 17 August 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: FNBC Bank & Trust's data.
FNBC Bank & Trust's data
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FNBC Bank & Trust 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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