Jersey State Bank
Jersey State Bank received 35 applications in 2025 and made 29 mortgages, in 7 counties across 2 states. The median rate its borrowers got was 7.000% on a median loan of $125,000. Of 35 decisions, 1 were denials — 2.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900BLPLW0LXHKFX20 |
|---|---|
| Applications received | 35 |
| Mortgages made | 29 |
| Denied | 1 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.4575 points |
| FDIC-insured bank | Yes: Jersey State Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | 7.000% | $105,000 | 4.2% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where Jersey State Bank lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jersey County, IL | 17 | 6.950% | 4.8% |
| Madison County, IL | 4 | Under 10 loans | 0.0% |
| Greene County, IL | 2 | Under 10 loans | 0.0% |
| Macoupin County, IL | 2 | Under 10 loans | 0.0% |
| St. Clair County, IL | 2 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis city, MO | 1 | Under 10 loans | 0.0% |
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When Jersey State 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.