Byron Bank
Byron Bank received 170 applications in 2025 and made 140 mortgages, in 19 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $165,000. Of 154 decisions, 14 were denials — 9.1%.
| Legal Entity Identifier | 254900KE9OJJUH139Q12 |
|---|---|
| Applications received | 170 |
| Mortgages made | 140 |
| Denied | 14 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Byron Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 97 | Not published | $155,000 | 8.5% |
| Refinancing | 29 | Not published | $175,000 | 3.3% |
| Cash-out refinancing | 11 | Not published | $165,000 | 21.4% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where Byron Bank lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Winnebago County, IL | 81 | Not published | 6.9% |
| Ogle County, IL | 25 | Not published | 10.7% |
| Boone County, IL | 16 | Not published | 15.8% |
| Lee County, IL | 3 | Under 10 loans | 0.0% |
| Rock County, WI | 3 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 50.0% |
| LaSalle County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Stephenson County, IL | 1 | Under 10 loans | 0.0% |
| Iron County, MI | 1 | Under 10 loans | 0.0% |
| Green County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 0 | Under 10 loans | Not published |
| Livingston County, IL | 0 | Under 10 loans | 100.0% |
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When Byron Bank’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.