Applications / Mortgage Analytics / Lenders / Illinois / BankFinancial
Olympia Fields, IL · National bank · OCC · $1.4 billion assets · 18 loans in 2025
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18
loans originated, 2025
25
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BankFinancial, an Olympia Fields, Illinois, bank that has reported since 1990, has cut its home lending to 18 loans in 2025, from 236 in 2022.
Its loans fell 55% in 2025, from 40, while similar lenders (national banks making between half and twice as many loans) fell by a typical 17% and the whole market grew 10%. Only about one in twenty of them shrank faster. The slide began after 2022: it made 69 loans in 2023. The record gives no reason; a bank may choose to lend less on homes for many ordinary reasons, and the figures cannot say which applied.
Its typical loan was $430,000, against $185,000 at similar lenders, larger than at more than three in four of them. Every loan was conventional, with no government backing, and most were purchases. But 18 loans are too few to read much into, whether about loan size or about who its borrowers were.
Chicago-Naperville-Elgin, IL-IN is its largest market. It has lent there since 1990 and ranked 416 of 902 lenders in 2025; JPMorgan Chase Bank led. Its figures there include the filings of two banks it merged with, University National Bank in 2006 and Downers Grove National Bank in 2011. Its other markets include Greensboro-High Point, NC, Jacksonville and Tampa; in all it lent in five metros in three states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BankFinancial took 25 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.8% · Refinance 22.2%
Conventional 100.0% · of 18 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 | 14 | 77.8% |
| Florida | 3 | 16.7% |
| North Carolina | 1 | 5.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 13 |
| Jacksonville | 2 |
| Greensboro-High Point | 1 |
| Lake County | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930061HIZ1MCMEOR72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 454676 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42402 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702402 | 2011–2015 |
| Respondent ID (the HMDA filer code before 2018) | 125140 | 2016–2017 |
Established 1 January 1924. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BankFinancial's data.
BankFinancial's data
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