Bank of Pontiac
Bank of Pontiac received 339 applications in 2025 and made 293 mortgages, in 34 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 309 decisions, 7 were denials — 2.3%.
| Legal Entity Identifier | 5493000KJ6VEEFTSNI20 |
|---|---|
| Applications received | 339 |
| Mortgages made | 293 |
| Denied | 7 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bank of Pontiac, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 165 | Not published | $155,000 | 0.0% |
| Refinancing | 55 | Not published | $215,000 | 0.0% |
| Cash-out refinancing | 43 | Not published | $145,000 | 2.3% |
| Other purposes | 30 | Not published | $55,000 | 15.8% |
Where Bank of Pontiac lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Livingston County, IL | 138 | Not published | 3.4% |
| Lake County, IN | 36 | Not published | 0.0% |
| Cook County, IL | 25 | Not published | 0.0% |
| McLean County, IL | 22 | Not published | 0.0% |
| Porter County, IN | 11 | Not published | 0.0% |
| Will County, IL | 8 | Under 10 loans | 10.0% |
| Grundy County, IL | 7 | Under 10 loans | 0.0% |
| DuPage County, IL | 6 | Under 10 loans | 0.0% |
| Tazewell County, IL | 5 | Under 10 loans | 0.0% |
| Ford County, IL | 3 | Under 10 loans | 25.0% |
| Logan County, IL | 3 | Under 10 loans | 0.0% |
| Woodford County, IL | 3 | Under 10 loans | 0.0% |
| LaPorte County, IN | 3 | Under 10 loans | 0.0% |
| Iroquois County, IL | 2 | Under 10 loans | 0.0% |
| Kane County, IL | 2 | Under 10 loans | 0.0% |
| LaSalle County, IL | 2 | Under 10 loans | 0.0% |
| Peoria County, IL | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| Christian County, IL | 1 | Under 10 loans | 0.0% |
| De Witt County, IL | 1 | Under 10 loans | 0.0% |
| Effingham County, IL | 1 | Under 10 loans | 0.0% |
| Fulton County, IL | 1 | Under 10 loans | 0.0% |
| Henderson County, IL | 1 | Under 10 loans | 0.0% |
| Kankakee County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Putnam County, IL | 1 | Under 10 loans | 0.0% |
| Williamson County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 0 | Under 10 loans | Not published |
| Fayette County, KY | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.