Applications / Mortgage Analytics / Lenders / Illinois / Wheaton Bank & Trust
Wheaton, IL · National bank · OCC · $4.5 billion assets · 97 loans in 2025
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97
loans originated, 2025
123
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wheaton Bank & Trust is a jumbo lender: more than half its loans in 2025 were above the conforming limit, against almost none at banks its size.
Of its 97 loans, 52.8% were jumbo (larger than the conforming limit), against 2.8% at similar lenders, national banks making between half and twice as many loans. Its typical loan was $905,000, against $175,000. Both figures are higher than at nearly all its peers.
Its loans rose 47%, from 66 to 97, against 6% at similar lenders and 10% for the whole market. It lends in 14 states and 24 metros, with San Francisco, Los Angeles and Miami among its largest markets after Chicago. It filed no reports for 2020 and 2021; those are gaps in the record, not years without loans.
Only 2.2% of its loans went to low- and moderate-income (LMI) borrowers, against 22.7% at similar lenders, among the lowest tenth. Loans of that size go mostly to higher-income borrowers, which may account for most of the gap. Its share in majority-minority neighborhoods, 24.7%, is higher than at about three in four peers.
Chicago-Naperville-Elgin is its main market, where it has lent since 1994. There it ranks 200th of 902 lenders; JPMorgan Chase Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Wheaton Bank & Trust took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.8% · Refinance 40.2%
Conventional 100.0% · of 97 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 | 49 | 50.5% |
| California | 24 | 24.7% |
| Iowa | 5 | 5.2% |
| Arizona | 4 | 4.1% |
| North Carolina | 3 | 3.1% |
| Florida | 2 | 2.1% |
| North Dakota | 2 | 2.1% |
| Wisconsin | 2 | 2.1% |
| Idaho | 1 | 1.0% |
| Michigan | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 47 |
| Los Angeles-Long Beach-Glendale | 5 |
| San Francisco-San Mateo-Redwood City | 5 |
| Des Moines-West Des Moines | 4 |
| Oakland-Fremont-Berkeley | 3 |
| Phoenix-Mesa-Chandler | 3 |
| Raleigh-Cary | 3 |
| San Jose-Sunnyvale-Santa Clara | 3 |
| Grand Forks | 2 |
| Riverside-San Bernardino-Ontario | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S5LHMBX3WRT314 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2044811 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 333803 | 1994–2000 |
| Respondent ID (the HMDA filer code before 2018) | 22044811 | 2001–2017 |
Established 17 May 1993. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Wheaton Bank & Trust's data.
Wheaton Bank & Trust's data
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Wheaton 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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