Applications / Mortgage Analytics / Lenders / Illinois / First Bank Chicago
Highland Park, IL · State non-member bank · FDIC · $2.2 billion assets · 23 loans in 2025
First Bank Chicago's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
23
loans originated, 2025
23
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank Chicago, a $2.2 billion bank in Highland Park, Illinois, has for years made few mortgages but very large ones.
Its 23 loans came to $68.8 million, more than all but a few of its 216 peers, which are state non-member banks making between half and twice as many loans. Its typical loan was $2.1 million, against $175,000 for those peers. Twenty-three loans are few to judge by, but large loans are a long habit, not a one-year spike: its typical loan was $895,000 in 2020, on 33 loans, and $1.0 million in 2024.
Its loans rose to 23 from nine in 2024, after a low of five in 2023. That is a jump of 156% on paper, but the counts are small, and the bank made 33 loans in 2020. Home purchases were 56.5% of its lending and refinances 34.8%. With so few loans, its shares of lending to lower-income borrowers and neighborhoods say little.
The bank has reported its mortgage lending since 1990, when the public data begin. It was renamed First Bank of Highland Park in 1991 and First Bank Chicago in 2022. In the Chicago-Naperville-Elgin market its large loans put it at 158 of 902 lenders by dollars, despite its handful of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Bank Chicago took 23 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.5% · Refinance 34.8% · Home improvement 8.7%
Conventional 100.0% · of 23 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 | 23 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 18 |
| Lake County | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005SBCJ71Z4XVY11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 804338 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317470 | 1990–2017 |
Established 16 July 1955. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Bank Chicago's data.
First Bank Chicago's data
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First Bank Chicago 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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