Applications / Mortgage Analytics / Lenders / Illinois / American Metro Bank
Chicago, IL · State non-member bank · FDIC · $120 million assets · 19 loans in 2025
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19
loans originated, 2025
22
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Metro Bank, a Chicago bank with $120 million in assets, is a small home lender: 19 loans in 2025, down from 32 in 2024.
All 19 of its loans in 2025 were conventional, and about three-quarters were for home purchase. It lends in 2 counties and 2 metros, all in Illinois. It has been in the Chicago market since 2003, and ranked 353 of 902 lenders there in 2025.
It first reported in 2003. It filed reports for 2024 and 2025 but none for 2018 to 2023. Those years are gaps in the record, not years without lending: since 2020 a bank making fewer than 100 closed-end loans a year need not report.
Its loans fell 41% in 2025, more than the 14% fall at similar lenders, meaning state non-member banks making between half and twice as many loans, while the whole market grew 10%. With so few loans, a handful of deals makes that difference. The same goes for its typical loan, $505,000 against similar lenders' $182,500, and for its shares of lending to poorer borrowers and to minority or poorer neighborhoods.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. American Metro Bank took 22 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.7% · Refinance 21.1% · Other 5.3%
Conventional 100.0% · of 19 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 | 19 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 16 |
| Lake County | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VGJ76Q9SD43C88 | 2024–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2533043 | 2004–2016 |
| Respondent ID (the HMDA filer code before 2018) | 334334 | 2003–2016 |
Established 29 January 1997. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: American Metro Bank's data.
American Metro Bank's data
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