Applications / Mortgage Analytics / Lenders / Illinois / Providence Bank & Trust
South Holland, IL · State non-member bank · FDIC · $1.6 billion assets · 112 loans in 2025
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112
loans originated, 2025
149
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Providence Bank & Trust, a South Holland bank, makes big conventional loans and puts more than a third of them in majority-minority neighborhoods, a far larger share than similar banks.
Majority-minority neighborhoods took 37.5% of its loans in 2025, against 6.1% at a typical similar lender (banks of the same type making between half and twice as many loans). Low- and moderate-income (LMI) neighborhoods took 31.5%, against 18.2%. Both shares are higher than at more than four in five of those banks.
Its typical loan was $425,000, more than double the $175,000 at similar banks and larger than at nineteen in twenty of them. LMI borrowers took only 15.1% of its loans, against 27.9%. Larger loans and a purchase share of 67.9% may simply draw higher-income buyers, even in poorer neighborhoods.
It lent in 8 states and 16 metros. In 2025 it entered Flint, Kalamazoo-Portage and Canton-Massillon, though with tiny shares. In Rockford its share rose from 0.0% to 0.4%, ranking it 47 of 302 lenders. Its mergers, most recently with The Leaders Bank in 2022, count in those competition figures.
Loans fell 5% to 112, while similar banks grew 9%. It made 625 loans in 2020 and has made between 106 and 162 a year since 2022. Its rate was a little lower than peers', at 6.88% against 7.00%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Providence Bank & Trust took 149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.9% · Refinance 23.2% · Home improvement 6.3% · Other 2.7%
Conventional 100.0% · of 112 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 | 67.0% |
| Indiana | 22 | 19.6% |
| Michigan | 5 | 4.5% |
| Ohio | 5 | 4.5% |
| Florida | 2 | 1.8% |
| Missouri | 1 | 0.9% |
| North Carolina | 1 | 0.9% |
| Wisconsin | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 64 |
| Lake County-Porter County-Jasper County | 17 |
| Elgin | 3 |
| Cape Coral-Fort Myers | 2 |
| Flint | 2 |
| Akron | 1 |
| Canton-Massillon | 1 |
| Elkhart-Goshen | 1 |
| Fond du Lac | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GY0I1WYYWYFS47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3280625 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357754 | 2006–2017 |
Established 20 September 2004. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Providence Bank & Trust's data.
Providence Bank & Trust's data
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Providence Bank & Trust 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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