Applications / Mortgage Analytics / Lenders / Illinois / Chartwell Financial
Oak Brook, IL · Non-bank or government lender · CFPB · 35 loans in 2025
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35
loans originated, 2025
91
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chartwell Financial is a manufactured-home lender: every one of its 35 loans in 2025 bought a manufactured home, and its typical loan was $65,000.
All its loans in 2025 financed manufactured homes, and all were purchases. Similar lenders (non-bank or government lenders making between half and twice as many loans) typically made none. Its typical loan was $65,000, against $395,000 at similar lenders, among the smallest tenth of the group. Its dollar total, $2.2 million, is small for the same reason.
Every loan was higher-priced (a rate well above the average for similar loans), against 5.0% at similar lenders, and its typical rate was 10.50% against 6.88%. Manufactured-home loans are usually priced well above loans on site-built houses, and they are the whole of its book, which can account for the gap.
Borrowers with low or moderate incomes took 71.4% of its loans, against 28.6% at similar lenders, a higher share than more than nine in ten of them. That fits small loans for inexpensive homes.
It first reported in 2019 and lends in 10 states, with Minnesota its main one. Its share is tiny everywhere it lends. Volume peaked at 122 loans in 2021 and has fallen each year since, to 35, down 8% in 2025 while similar lenders fell 14%.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Chartwell Financial took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 35 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 |
|---|---|---|
| Minnesota | 8 | 22.9% |
| Indiana | 7 | 20.0% |
| Ohio | 4 | 11.4% |
| North Dakota | 3 | 8.6% |
| Nebraska | 3 | 8.6% |
| Pennsylvania | 3 | 8.6% |
| Iowa | 2 | 5.7% |
| Michigan | 2 | 5.7% |
| New Jersey | 2 | 5.7% |
| Arizona | 1 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 6 |
| Columbus | 4 |
| Bloomington | 3 |
| Grand Forks | 3 |
| Omaha | 3 |
| Akron | 2 |
| Allentown-Bethlehem-Easton | 2 |
| Camden | 2 |
| Canton-Massillon | 2 |
| Mankato | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900O2VYWY7LKZ6T60 | 2019–2025 |
Established 14 April 2004. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Chartwell Financial's data.
Chartwell Financial's data
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Chartwell Financial 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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