St. Charles Bank & Trust Company, National Association
St. Charles Bank & Trust Company, National Association received 115 applications in 2025 and made 87 mortgages, in 66 counties across 18 states. The median rate its borrowers got was Not published on a median loan of $585,000. Of 92 decisions, 4 were denials — 4.4%, most often for unverifiable information.
| Legal Entity Identifier | 549300UDBUNBNEKR8J69 |
|---|---|
| Applications received | 115 |
| Mortgages made | 87 |
| Denied | 4 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 48 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: St. Charles Bank & Trust Company, National Association, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 61 | Not published | $665,000 | 4.6% |
| Refinancing | 21 | Not published | $465,000 | 0.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where St. Charles Bank & Trust Company, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kane County, IL | 25 | Not published | 7.4% |
| Cook County, IL | 5 | Under 10 loans | 0.0% |
| Winnebago County, IL | 5 | Under 10 loans | 0.0% |
| Orange County, CA | 4 | Under 10 loans | 0.0% |
| Stephenson County, IL | 4 | Under 10 loans | 0.0% |
| Flathead County, MT | 4 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 0.0% |
| DuPage County, IL | 3 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Sacramento County, CA | 2 | Under 10 loans | 0.0% |
| Kendall County, IL | 2 | Under 10 loans | 0.0% |
| LaSalle County, IL | 2 | Under 10 loans | 0.0% |
| Wasatch County, UT | 2 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Middlesex County, MA | 1 | Under 10 loans | 0.0% |
| Suffolk County, MA | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Kanabec County, MN | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 0.0% |
| Grand Forks County, ND | 1 | Under 10 loans | 0.0% |
| Utah County, UT | 1 | Under 10 loans | 0.0% |
| Snohomish County, WA | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Lafayette County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | Not published |
| El Dorado County, CA | 0 | Under 10 loans | Not published |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| Solano County, CA | 0 | Under 10 loans | 0.0% |
| Jefferson County, CO | 0 | Under 10 loans | Not published |
| District of Columbia, DC | 0 | Under 10 loans | Not published |
| Palm Beach County, FL | 0 | Under 10 loans | 100.0% |
| St. Lucie County, FL | 0 | Under 10 loans | Not published |
| Boone County, IL | 0 | Under 10 loans | Not published |
| Kankakee County, IL | 0 | Under 10 loans | Not published |
| Lake County, IL | 0 | Under 10 loans | Not published |
| Peoria County, IL | 0 | Under 10 loans | Not published |
| LaPorte County, IN | 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.