Applications / Mortgage Analytics / Lenders / Illinois / Foresight Bank
Winnebago, IL · State non-member bank · FDIC · $1.7 billion assets · 102 loans in 2025
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102
loans originated, 2025
128
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Foresight Bank, renamed from German-American State Bank in 2025, made 102 loans that year, up from 21, in the year it merged with two other banks.
Its loans rose 386%, the fastest growth among similar lenders, meaning state non-member banks making between half and twice as many loans, which grew 9%. In 2025 it merged with Northwest Bank of Rockford and State Bank of Herscher, which may account for much of the rise. It filed no reports for 2020 to 2022; those are gaps in the record, not years without lending.
Its share of Rockford, IL lending rose to 1.6% from 0.2%, ranking it 17th of 302 lenders. GreenState Credit Union leads that market. Its share in Kankakee, IL also rose, to 0.3%. Both rises may reflect the mergers, whose filings count in these market figures.
Its typical loan was $180,000, close to the $175,000 at similar lenders. Purchases made up 61.8% and refinancing 31.4%.
Low- and moderate-income borrowers took 22.7% of its loans, against 27.4% at similar lenders, and poorer neighborhoods (low- and moderate-income tracts) 10.6%, against 18.3%. A newly merged bank's footprint may account for this; one year's figures say little.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Foresight Bank took 128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.8% · Refinance 31.4% · Other 3.9% · Home improvement 2.9%
Conventional 99.0% · FHA 1.0% · of 102 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 | 80 | 78.4% |
| Wisconsin | 8 | 7.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Rockford | 51 |
| Kankakee | 4 |
| Kenosha | 2 |
| Chicago-Naperville-Schaumburg | 1 |
| Janesville-Beloit | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZTG888WY6L8M95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 556936 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35749 | 1990–2017 |
Established 6 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Foresight Bank's data.
Foresight Bank's data
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