Applications / Mortgage Analytics / Lenders / Illinois / Lakeside Bank
Chicago, IL · State non-member bank · FDIC · $2.9 billion assets · 79 loans in 2025
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79
loans originated, 2025
103
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lakeside Bank, a Chicago state bank, makes very large loans and makes most of them in majority-minority neighborhoods, an unusual combination among similar banks.
Its typical loan in 2025 was $775,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans); almost none of them lent more. A quarter of its loans, 25.0%, were jumbo (larger than the conforming limit), against 1.6% at peers. This is not new: the share was 29.7% in 2024. What kind of property these loans finance is a question the figures here cannot settle.
Majority-minority neighborhoods took 57.0% of its loans, against 6.5% at similar banks, higher than nearly all of them. Low- and moderate-income neighborhoods took 39.7%, against 18.6%. Its largest market is Chicago, where it has lent since at least 1990 and ranked 89 of 902 lenders.
It made 79 loans, up 80% on 2024, against 9% at similar banks. The rise followed an uneven fall, from 149 loans in 2018 to 44 in 2024. Purchases made up 50.6% of its loans and home improvement 15.2%.
It went from almost no share to 1.4% in Kankakee, ranking 14 of 206 lenders, and to 0.6% in Kenosha. With loans this large, a few deals are enough to move a small market's share that far.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lakeside Bank took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.6% · Refinance 32.9% · Home improvement 15.2% · Other 1.3%
Conventional 100.0% · of 79 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 | 75 | 94.9% |
| Colorado | 2 | 2.5% |
| Florida | 1 | 1.3% |
| Wisconsin | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 71 |
| Denver-Aurora-Centennial | 2 |
| Kankakee | 2 |
| Elgin | 1 |
| Kenosha | 1 |
| Lake County | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DUTN4RUBI81Z18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 201834 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319573 | 1990–2017 |
Established 1 April 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Lakeside Bank's data.
Lakeside Bank's data
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Lakeside Bank 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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