Applications / Mortgage Analytics / Lenders / Illinois / Resource Bank
Dekalb, IL · National bank · OCC · $862 million assets · 103 loans in 2025
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103
loans originated, 2025
112
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Resource Bank, a small Illinois national bank, lends on manufactured homes far more than similar lenders, and its loans now reach five states.
Manufactured homes made up 14.6% of its 103 loans in 2025, against 1.7% at the typical similar lender (national banks making between half and twice as many loans). That is a higher share than more than four in five of them. Purchases were 68.0% of its lending and refinancing 31.1%; every loan was conventional.
Its loans fell 7% in 2025 while similar lenders rose 7% and the whole market 10%, leaving it below about four in five peers on growth. It made 190 loans in 2021 and fewer in each reported year since. The bank filed no report for 2020 or 2022, so those years are gaps in the record, not years without lending.
It holds 0.1% of the Rockford market, unchanged, ranking 98 of 302; GreenState Credit Union leads there. In Chicago it ranks 286 of 902. Yet it lends across 19 counties in five states, and entered non-metro Wyoming and Myrtle Beach in 2025 and Cleveland, Tennessee, in 2021. Those distant markets are small for it: it ranks 467 of 543 in Myrtle Beach.
Some 23.0% of its loans went to low- and moderate-income borrowers, close to the 23.5% at similar lenders, and 16.7% to low- and moderate-income neighborhoods, against 15.0%. Both sit near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Resource Bank took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.0% · Refinance 31.1% · Home improvement 1.0%
Conventional 100.0% · of 103 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 | 96 | 93.2% |
| Wisconsin | 4 | 3.9% |
| South Carolina | 1 | 1.0% |
| Tennessee | 1 | 1.0% |
| Wyoming | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elgin | 58 |
| Rockford | 9 |
| Chicago-Naperville-Schaumburg | 8 |
| Cleveland | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ZOIZTP7ZF6AH17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 235530 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15815 | 1994–2017 |
Established 1 October 1901. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Resource Bank's data.
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