Sauk Valley Bank & Trust Company
Sauk Valley Bank & Trust Company received 281 applications in 2025 and made 227 mortgages, in 24 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 251 decisions, 22 were denials — 8.8%.
| Legal Entity Identifier | 549300B6UWNP01JH6452 |
|---|---|
| Applications received | 281 |
| Mortgages made | 227 |
| Denied | 22 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Sauk Valley Bank & Trust Company, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 142 | Not published | $135,000 | 2.7% |
| Refinancing | 54 | Not published | $95,000 | 10.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 28 | Not published | $35,000 | 24.3% |
Where Sauk Valley Bank & Trust Company lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Whiteside County, IL | 87 | Not published | 11.2% |
| Lee County, IL | 62 | Not published | 11.3% |
| McHenry County, IL | 19 | Not published | 5.0% |
| Ogle County, IL | 15 | Not published | 0.0% |
| Winnebago County, IL | 7 | Under 10 loans | 0.0% |
| Rock County, WI | 7 | Under 10 loans | 0.0% |
| Walworth County, WI | 6 | Under 10 loans | 0.0% |
| Carroll County, IL | 5 | Under 10 loans | 0.0% |
| Scott County, IA | 3 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| Boone County, IL | 1 | Under 10 loans | 0.0% |
| Bureau County, IL | 1 | Under 10 loans | 0.0% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| Henry County, IL | 1 | Under 10 loans | 50.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Rock Island County, IL | 1 | Under 10 loans | 0.0% |
| Stephenson County, IL | 1 | Under 10 loans | 50.0% |
| Wayne County, IL | 1 | Under 10 loans | 0.0% |
| Jackson County, IA | 1 | Under 10 loans | 0.0% |
| Rice County, MN | 1 | Under 10 loans | 0.0% |
| Hocking County, OH | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
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When Sauk Valley Bank & Trust Company’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.