Bank & Trust Company
Bank & Trust Company received 217 applications in 2025 and made 174 mortgages, in 26 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 193 decisions, 16 were denials — 8.3%.
| Legal Entity Identifier | 549300TFL8UPEHU61608 |
|---|---|
| Applications received | 217 |
| Mortgages made | 174 |
| Denied | 16 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bank & Trust Company, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 116 | Not published | $145,000 | 4.1% |
| Refinancing | 35 | Not published | $115,000 | 14.6% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 23 | Not published | $45,000 | 11.1% |
Where Bank & Trust Company lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, IL | 60 | Not published | 11.8% |
| Sangamon County, IL | 46 | Not published | 8.0% |
| Macoupin County, IL | 39 | Not published | 2.4% |
| Christian County, IL | 4 | Under 10 loans | 0.0% |
| Madison County, IL | 4 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Champaign County, IL | 2 | Under 10 loans | 0.0% |
| Macon County, IL | 2 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Greene County, IL | 1 | Under 10 loans | 50.0% |
| Henderson County, IL | 1 | Under 10 loans | 0.0% |
| Pike County, IL | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 1 | Under 10 loans | 0.0% |
| Williamson County, IL | 1 | Under 10 loans | 0.0% |
| Woodford County, IL | 1 | Under 10 loans | 0.0% |
| Barren County, KY | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Linn County, MO | 1 | Under 10 loans | 0.0% |
| Pettis County, MO | 1 | Under 10 loans | 0.0% |
| St. Francois County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis city, MO | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 0 | Under 10 loans | Not published |
| Bond County, IL | 0 | Under 10 loans | 100.0% |
| Marion County, IL | 0 | Under 10 loans | 100.0% |
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When Bank & Trust Company’s figures are published for the next year, or restated.
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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.