Lenders › Sauk Valley Bank & Trust Company › Illinois
Sauk Valley Bank & Trust Company in Illinois
HMDA record for properties in Illinois, calendar year 2024. National record · Illinois overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Sauk Valley Bank & Trust Company's 2024 HMDA record for Illinois covers 229 applications, 212 of them originated, worth $34m.
Its denial rate in the state was 3.2%, below the Illinois rate of 23.3% across all lenders and compared with the lender's national rate of 2.9%.
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In Illinois | Illinois, all lenders | Sauk Valley Bank & Trust Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.2% | 23.3% | 2.9% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.4% | — | 15.6% |
| Average originated loan | $160k | $273k | $169k | $329k |
| Home purchase share | 65.6% | 61.1% | 66.2% | 57.0% |
| FHA-insured share | 0.0% | 10.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIllinois, all lenders
Loan purpose and loan type in Illinois
By purpose
Home purchase 66% (139)Home improvement 3% (6)Refinancing 29% (61)Cash-out refinancing 0% (1)Other purpose 2% (5)
By type
Conventional 100% (212)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Illinois
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Whiteside County | 106 | 99 | $9.8m | 3.9% |
| Lee County | 51 | 44 | $5.8m | 4.3% |
| McHenry County | 28 | 28 | $7.8m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Sauk Valley Bank & Trust Company originate in Illinois in 2024?
212 loans totalling $34m, from 229 applications reported for properties in Illinois.
What is Sauk Valley Bank & Trust Company's denial rate in Illinois?
3.2% of decided applications in Illinois were denied, against 23.3% for all lenders in the state and 2.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Illinois counties does Sauk Valley Bank & Trust Company lend in most?
By originations: Whiteside County (99), Lee County (44), McHenry County (28).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Illinois. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.