FNBC Bank & Trust
FNBC Bank & Trust received 88 applications in 2025 and made 71 mortgages, in 8 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $495,000. Of 79 decisions, 5 were denials — 6.3%.
| Legal Entity Identifier | 549300FQ2SN6TRRGB032 |
|---|---|
| Applications received | 88 |
| Mortgages made | 71 |
| Denied | 5 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: FNBC Bank & Trust, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 45 | Not published | $515,000 | 2.0% |
| Refinancing | 25 | Not published | $475,000 | 13.8% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where FNBC Bank & Trust lends most
The 8 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 | 50 | Not published | 5.5% |
| DuPage County, IL | 10 | Not published | 0.0% |
| Will County, IL | 7 | Under 10 loans | 12.5% |
| Lake County, IL | 2 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 0.0% |
| Madison County, IL | 0 | Under 10 loans | Not published |
| Lake County, IN | 0 | Under 10 loans | 100.0% |
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When FNBC Bank & Trust’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.