Germantown Trust & Savings Bank
Germantown Trust & Savings Bank received 64 applications in 2025 and made 61 mortgages, in 9 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 64 decisions, 3 were denials — 4.7%, most often for credit history.
| Legal Entity Identifier | 2549005HG8EMM4748S60 |
|---|---|
| Applications received | 64 |
| Mortgages made | 61 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Germantown Trust & Savings Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | Not published | $185,000 | 8.6% |
| Refinancing | 13 | Not published | $115,000 | 0.0% |
| Other purposes | 16 | Not published | $55,000 | 0.0% |
Where Germantown Trust & Savings Bank lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clinton County, IL | 46 | Not published | 6.1% |
| Madison County, IL | 6 | Under 10 loans | 0.0% |
| Bond County, IL | 2 | Under 10 loans | 0.0% |
| Marion County, IL | 2 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| Pope County, IL | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 1 | Under 10 loans | 0.0% |
| Washington County, IL | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
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When Germantown Trust & Savings 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.