Applications / Mortgage Analytics / Lenders / Illinois / Fortress Bank
Peoria, IL · State non-member bank · FDIC · $839 million assets · 42 loans in 2025
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42
loans originated, 2025
42
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fortress Bank, a Peoria, Illinois bank, made 42 home loans in 2025, down from 698 a year earlier, while the market grew.
Its loans fell 94%, from 698 in 2024 to 42, and their value from $172.0 million to $12.2 million. Similar lenders (state non-member banks making between half and twice as many loans) grew 2%, and the whole market 10%. The figures give no reason. The bank bought 68 loans from other lenders, more than it made; the typical peer bought none. Whether its lending moved elsewhere or its 2025 report is incomplete is an open question.
In Peoria, its largest market, its share fell to 0.2% from 1.6%, and it ranked 55 of 289. Citizens Equity First Credit Union led there. In Des Moines-West Des Moines its share fell from 2.1% to almost nothing. Both falls follow from the drop in its own lending.
Loans insured by the Federal Housing Administration (FHA) were 21.2% of its lending in 2024 and none in 2025; almost all its loans were conventional. None was higher-priced (a rate well above the average for similar loans), against 6.1% at its peers. Its typical loan, $210,000, was larger than at about two-thirds of them.
Low- and moderate-income (LMI) neighborhoods took 47.6% of its loans, against 19.0% at its peers. On 42 loans a few loans move that share, so it says 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fortress Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.0% · Refinance 31.0%
Conventional 97.6% · VA 2.4% · 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
| State | Loans | Share |
|---|---|---|
| Illinois | 31 | 73.8% |
| Iowa | 6 | 14.3% |
| Arizona | 1 | 2.4% |
| Florida | 1 | 2.4% |
| Indiana | 1 | 2.4% |
| Missouri | 1 | 2.4% |
| Wisconsin | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Peoria | 17 |
| Davenport-Moline-Rock Island | 3 |
| Des Moines-West Des Moines | 3 |
| Chicago-Naperville-Schaumburg | 2 |
| Rockford | 2 |
| Columbia | 1 |
| Kankakee | 1 |
| Milwaukee-Waukesha | 1 |
| Phoenix-Mesa-Chandler | 1 |
| South Bend-Mishawaka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003EAJYUK1F8B139 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 953535 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39632 | 2009–2017 |
Established 4 January 1904. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Fortress Bank's data.
Fortress Bank's data
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