At a glance
From its website, read 2 Nov 2026International Bank of Chicago is a bank or thrift based in Chicago, Illinois. Its website describes auto loans, commercial real estate loans, microloans and 4 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (773) 850-3077 source |
|---|---|
| Lending | (312) 801-9030 source |
| Lending | (847) 440-1310 source |
| Website | www.inbk.com |
| Office (official list) | 5069 NORTH BROADWAY STREET, Chicago, IL 60640 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Feb 2014 |
| RSSD ID | 2006024 |
| Address | 5069 NORTH BROADWAY STREET, Chicago, IL 60640 Directions (Google Maps) |
| Website | www.inbk.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages name no loan amounts, and the home page says services are offered in related languages without naming any language. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | We can help you with the purchase of a new or used car. | source |
| Commercial real estate loans | — | International Bank can assist with the purchase of investment property or a new location for your own business. | source |
| Microloans | — | These small loans can help you build or repair your credit, to assist you with better access to financing in the future. | source |
| Home mortgages | — | Our residential loan staff can work with you to purchase a new residence | source |
| Personal / consumer loans | — | Sometimes you have a short-term need and don't want to cash in an existing CD. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | We participate in the 7(a) and 504 programs with the Small Business Administration to help small businesses obtain loans | source |
| Small-business loans | — | Whether your business needs to fund the purchase of inventory | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and microloans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$16.1 million in 25 awards from the U.S. Treasury's CDFI Fund, 1999–2023 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $3,470,374 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2020 | Bank Enterprise Award Program | $139,500 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $226,018 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2013 | Bank Enterprise Award Program | $323,000 |
| 2012 | Bank Enterprise Award Program | $415,000 |
| 2011 | Bank Enterprise Award Program | $500,000 |
| 2010 | Bank Enterprise Award Program | $600,000 |
| 2009 | Bank Enterprise Award Program | $700,000 |
| 2008 | Bank Enterprise Award Program | $675,000 |
| 2006 | Bank Enterprise Award Program | $500,000 |
| 2005 | Bank Enterprise Award Program | $500,000 |
| 2004 | Bank Enterprise Award Program | $1,500,000 |
| 2002 | Bank Enterprise Award Program | $1,184,040 |
| 2002 | CDFI Program, Financial Assistance | $500,000 |
| 2001 | Bank Enterprise Award Program | $1,649,822 |
| 2000 | Bank Enterprise Award Program | $652,407 |
| 1999 | Bank Enterprise Award Program | $509,495 |
| 1999 | CDFI Program, Financial Assistance | $150,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as International Bank of Chicago (FDIC cert 33708). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $982.7 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 in 2 states (as of 30 Oct 2026) |
Offices by state and county (6)
Illinois (5 offices)
- Cook County (5): 5069 N Broadway St, Chicago 60640 (main office); 217 W Cermak Rd, Chicago 60616; 9380 W Ballard Rd, Des Plaines 60016; 1860 N Mannheim Rd, Stone Park 60165; 611 Green Bay Rd, Wilmette 60091
New York (1 office)
- Orange County (1): 2 W Main St, Port Jervis 12771
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by International Bank of Chicago (RSSD 2006024, FDIC cert 33708). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $747.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.0% from $763.1 million on 30 Jun 2025 |
| Total assets | $982.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $276.9 million | 37.0% |
| Commercial real estate, construction and multifamily | $437.3 million | 58.5% |
| Commercial and industrial (business) loans | $32.5 million | 4.3% |
| Farmland and farm production loans | $708,000 | 0.1% |
| Consumer loans (credit cards, auto, other) | $166,000 | <0.1% |
| All other loans and leases | $214,000 | <0.1% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 6 loans $334,000 | 6 loans $66,000 |
| $100,001 to $250,000 | 27 loans $3.9 million | 5 loans $859,000 |
| $250,001 to $1 million | 174 loans $78.3 million | 14 loans $5.8 million |
| All small business loans | 207 loans $82.5 million | 25 loans $6.7 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
None reported on the 30 Jun 2026 report.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025International Bank of Chicago reported 100 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $37.4M (median loan about $295,000). 81 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 81 | 81% |
| Refinance (incl. cash-out) | 15 | 15% |
| Other purpose | 3 | 3.0% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 100 | 100% |
Included above: 9 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 13 counties with at least one; 88% of its 2025 loans were for properties in Illinois:
- Cook County, IL (77)
- Will County, IL (4)
- Orange County, NY (4)
- Lake County, IL (3)
- New York County, NY (3)
Filed under LEI 254900KI0CM65KPBM547 as “International Bank of Chicago”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 3 → 3 | Rank among the 3 certified CDFIs in Illinois with SBA approvals in either period: 1 → 1. |
| Total assets (Call Report, 30 Jun 2026) | $982.7 million | Larger than 84% of the 321 other certified banks and bank holding companies nationwide (median $381.4 million). |
| Loans as a share of assets | 76% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $763.1 million → $747.7 million (-2%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 38 → 44. |
| Home loans originated in 2025 (HMDA) | 100 | More than 44% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Illinois with SBA approvals FY2023–2026 | 2 | rank 1 → 1 of 3 |
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 84% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 38 → 44 of 322 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 44% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 6 SBA-backed approvals for International Bank of Chicago in fiscal years 2020–2026 (October 2019 to September 2026):
- 6 504 projects as the third-party (first-lien) lender: $5.8M in total (its own third-party loan amount), median $425,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 1 · FY2024 2 · FY2025 2 · FY2026 1.
By program
- 504 projects (as the third-party lender) (6, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (5)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “International Bank of Chicago”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. International Bank of Chicago may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
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