Better Banks
Better Banks received 173 applications in 2025 and made 146 mortgages, in 14 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $125,000. Of 164 decisions, 4 were denials — 2.4%, most often for credit history.
| Legal Entity Identifier | 254900UAJ26M2YIF0822 |
|---|---|
| Applications received | 173 |
| Mortgages made | 146 |
| Denied | 4 |
| Approved, not taken up | 14 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Better Banks, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 83 | Not published | $145,000 | 3.2% |
| Refinancing | 11 | Not published | $185,000 | 0.0% |
| Cash-out refinancing | 38 | Not published | $90,000 | 0.0% |
| Other purposes | 14 | Not published | $60,000 | 6.7% |
Where Better Banks lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Peoria County, IL | 75 | Not published | 1.2% |
| Tazewell County, IL | 45 | Not published | 2.1% |
| Woodford County, IL | 7 | Under 10 loans | 0.0% |
| Fulton County, IL | 5 | Under 10 loans | 0.0% |
| Stark County, IL | 4 | Under 10 loans | 0.0% |
| Knox County, IL | 2 | Under 10 loans | 0.0% |
| Marshall County, IL | 2 | Under 10 loans | 0.0% |
| Clay County, MO | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Mason County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Williamson County, IL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 0 | Under 10 loans | 100.0% |
| Scott County, IA | 0 | Under 10 loans | 100.0% |
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When Better Banks’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.