Applications / Mortgage Analytics / Lenders / Illinois / Itasca Bank & Trust Company
Itasca, IL · State non-member bank · FDIC · $777 million assets · 64 loans in 2025
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64
loans originated, 2025
72
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Itasca Bank & Trust Company makes big loans for a lender of its size: its typical loan was $650,000, far above the $170,000 at similar lenders.
Similar lenders here are state non-member banks making between half and twice as many loans. Jumbo loans, those larger than the conforming limit, made up 39.2% of its lending, against 1.7% at similar lenders, a higher share than at almost all of them. So although its 64 loans put it near the middle of that group, its $60.1 million was more than about nine in ten of them lent.
It made 64 loans in 2025, up 137% from 27. Similar lenders grew 9% and the whole market 10%. The base was small, and the 2025 figure is close to the 68 loans it made in 2018. It filed no report for 2020 to 2022; those years are gaps in the record, not years without lending.
Only 9.1% of its loans went to low- and moderate-income (LMI) borrowers, against 27.3% at similar lenders, a lower share than at about nine in ten. In LMI neighborhoods the figure was 7.9%, against 18.8%. Its large loans are one possible reason, since big loans tend to go to higher earners. Yet 12.5% went to majority-minority neighborhoods, above the 6.8% at similar lenders.
It has lent in Chicago-Naperville-Elgin since at least 1990 and ranks 168 of 902 lenders in a $59.50B market led by JPMorgan Chase Bank. It also lends in Naples-Marco Island, a market it entered in 2001.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Itasca Bank & Trust Company took 72 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.8% · Refinance 31.3% · Other 21.9% · Home improvement 3.1%
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 | 62 | 96.9% |
| Florida | 1 | 1.6% |
| Wisconsin | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 59 |
| Elgin | 2 |
| Lake County | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UISKR0QR32CI62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 812436 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316666 | 1990–2017 |
Established 24 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Itasca Bank & Trust Company's data.
Itasca Bank & Trust Company's data
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