Crystal Lake Bank & Trust Company, N.A.
Crystal Lake Bank & Trust Company, N.A. received 103 applications in 2025 and made 90 mortgages, in 44 counties across 14 states. The median rate its borrowers got was Not published on a median loan of $590,000. Of 92 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 3HICJPQ15PGZSBFDNJ82 |
|---|---|
| Applications received | 103 |
| Mortgages made | 90 |
| Denied | 0 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 5 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Crystal Lake Bank and Trust Company, National Association, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 65 | Not published | $690,000 | 0.0% |
| Refinancing | 18 | Not published | $365,000 | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 0.0% |
Where Crystal Lake Bank & Trust Company, N.A. lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cook County, IL | 21 | Not published | 0.0% |
| McHenry County, IL | 17 | Not published | 0.0% |
| Flathead County, MT | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Kane County, IL | 3 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 2 | Under 10 loans | 0.0% |
| Lake County, IL | 2 | Under 10 loans | 0.0% |
| Peoria County, IL | 2 | Under 10 loans | 0.0% |
| Hennepin County, MN | 2 | Under 10 loans | 0.0% |
| Coconino County, AZ | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Alachua County, FL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| Dallas County, IA | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Perquimans County, NC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Green County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
| Waushara County, WI | 1 | Under 10 loans | 0.0% |
| Marion County, IA | 0 | Under 10 loans | Not published |
| Jackson County, MS | 0 | Under 10 loans | Not published |
| Pepin County, WI | 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.