Germantown Trust & Savings Bank in Illinois vs the state
4.8%Denial rate-12.36 pts vs state
4.8%Decision denial rate-16.92 pts vs state
95.2%Origination rate+36.50 pts vs state
—Median rate
—Rate spread (pts)
$140kMedian applicant income
60Loans originated
3Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 67 | 1.3% | — | #385 |
| 2024 | 59 | 58 | 1.7% | — | #426 |
| 2025 | 63 | 60 | 4.8% | — | #428 |
What Germantown Trust & Savings Bank lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Germantown Trust & Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clinton County | 49 | 46 | 3 | 6.1% |
| Madison County | 6 | 6 | 0 | 0.0% |
| Bond County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
| Champaign County | 1 | 1 | 0 | 0.0% |
| St. Clair County | 1 | 1 | 0 | 0.0% |
| Pope County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 63 applications in 2025, of which 60 were originated and 3 denied.
4.8% of all applications, or 4.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Germantown Trust & Savings Bank's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology