Applications / Mortgage Analytics / Lenders / Illinois / First Secure Bank and Trust Company
Palos Hills, IL · State non-member bank · FDIC · $392 million assets · 33 loans in 2025
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33
loans originated, 2025
33
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Secure Bank and Trust Company, a small bank in Palos Hills, Illinois, came back into the public record in 2025 with 33 home loans, a large share of them in poorer and majority-minority neighborhoods around Chicago.
The bank filed no report from 2018 to 2024. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. Its 33 loans in 2025 came to $8.2 million. The typical similar lender, a state non-member bank making between half and twice as many loans, made 44.
Some 36.4% of its loans went to low- and moderate-income (LMI) neighborhoods, against 19.0% at the typical similar lender. The same share, 36.4%, went to majority-minority neighborhoods, against 6.2%. Both put it above more than four in five similar lenders. With 33 loans, though, a handful of deals moves either share a lot.
Every loan was conventional: none was government-backed, none was for a manufactured home and none was jumbo. Refinances made up 51.5% of its lending and purchases 48.5%. Its typical loan, $185,000, sat near the middle of similar lenders.
In the Chicago-Naperville-Elgin market, worth $59.50B in 2025, it ranked 385 of 902 lenders. JPMorgan Chase Bank led that market. The bank lent in seven counties across two states, mostly in Illinois.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Secure Bank and Trust Company took 33 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.5% · Purchase 48.5%
Conventional 100.0% · of 33 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 | 31 | 93.9% |
| Indiana | 2 | 6.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 30 |
| Lake County-Porter County-Jasper County | 2 |
| Lake County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900T73HGYTHZBWG27 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 25647 | 2004–2016 |
| Respondent ID (the HMDA filer code before 2018) | 322536 | 1990–2016 |
Established 21 October 1977. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Secure Bank and Trust Company's data.
First Secure Bank and Trust Company's data
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