Large purchase loans
Purchases made up 76.2% of its 42 loans. Its typical loan of $425,000 was larger than at almost nine in ten similar lenders, meaning national banks making between half and twice as many loans, where it was $175,000.
Applications / Mortgage Analytics / Lenders / Illinois / Forest Park National Bank and Trust Company
Forest Park National Bank and Trust Company
Forest Park, IL · National bank · OCC · $319 million assets · 42 loans in 2025
Forest Park National Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
42
loans originated, 2025
44
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Forest Park National Bank and Trust Company is a small Chicago-area lender of large purchase loans, and its lending fell by more than a quarter in 2025.
A sharp fall
Its loans fell 28%, from 58 to 42, while similar lenders were flat and the whole market grew 10%. On so few loans, a handful of lost sales moves the figure, and the bank may simply have chosen to lend less. It filed no reports for 2020 to 2022; those are gaps in the record, not years without lending.
Lending in minority neighborhoods
Majority-minority neighborhoods took 26.2% of its loans, against 8.1% at similar lenders. Its home market is the Chicago area, where it ranked 284th of 902 lenders and has reported since at least 1990.
Fewer lower-income borrowers
Low- and moderate-income borrowers took 20.0% of its loans, up from 7.1% in 2024 but below the 24.8% at similar lenders. Its large typical loan is one possible reason. On 42 loans the share is too small to read much into.
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
42 loans in 2025, against a peak of 114 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Forest Park National Bank and Trust Company took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
76.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 76.2% · Refinance 14.3% · Home improvement 7.1% · Other 2.4%
Conventional 100.0% · of 42 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
3 states, 3 metros, 5 counties
| State | Loans | Share |
|---|---|---|
| Illinois | 39 | 92.9% |
| Wisconsin | 2 | 4.8% |
| Indiana | 1 | 2.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 38 |
| Elgin | 1 |
| Michigan City-La Porte | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 213800GF3VF8WSF5Q651 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 926632 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114566 | 1990–2017 |
Established 15 May 1943. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Forest Park National Bank and Trust Company's data.
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