Sauk Valley Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
54th8.8% deniedProcesswithdrawn + incomplete share, weight 15%
55th10.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 217 | 190 | 3.7% | 4.0% | — | $26M |
| 2024 | 248 | 231 | 2.8% | 2.9% | — | $39M |
| 2025 | 281 | 227 | 7.8% | 8.8% | — | $40M |
What Sauk Valley Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 73 investment properties.
Who gets approved at Sauk Valley Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 61 | 43 | 20.4% |
| $50k – $100k | 88 | 64 | 12.0% |
| $100k – $150k | 48 | 39 | 2.5% |
| $150k – $250k | 21 | 18 | 5.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 23 | 18 | 4.8% |
| 25–34 | 59 | 44 | 12.0% |
| 35–44 | 46 | 34 | 17.1% |
| 45–54 | 43 | 32 | 11.1% |
| 55–64 | 35 | 29 | 6.5% |
Where Sauk Valley Bank & Trust lends
5 states and 24 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Sauk Valley Bank & Trust denied 8.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 59% of its applications were for home purchases, 27% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 98% conventional, 2% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.