Sauk Valley Bank & Trust in Illinois vs the state
8.6%Denial rate-8.53 pts vs state
9.7%Decision denial rate-12.03 pts vs state
80.1%Origination rate+21.34 pts vs state
—Median rate
—Rate spread (pts)
$68kMedian applicant income
205Loans originated
22Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 176 | 3.9% | — | #220 |
| 2024 | 229 | 212 | 3.1% | — | #210 |
| 2025 | 256 | 205 | 8.6% | — | #218 |
What Sauk Valley Bank & Trust lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most Sauk Valley Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Whiteside County | 111 | 87 | 11 | 9.9% |
| Lee County | 85 | 62 | 8 | 9.4% |
| McHenry County | 21 | 19 | 1 | 4.8% |
| Ogle County | 15 | 15 | 0 | 0.0% |
| Winnebago County | 7 | 7 | 0 | 0.0% |
| Carroll County | 5 | 5 | 0 | 0.0% |
| Cook County | 2 | 2 | 0 | 0.0% |
| Stephenson County | 2 | 1 | 1 | 50.0% |
| Henry County | 2 | 1 | 1 | 50.0% |
| DeKalb 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: 256 applications in 2025, of which 205 were originated and 22 denied.
8.6% of all applications, or 9.7% 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 Sauk Valley Bank & Trust'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