Stillman BancCorp N.A.
Stillman BancCorp N.A. received 296 applications in 2025 and made 224 mortgages, in 26 counties across 7 states. The median rate its borrowers got was 6.625% on a median loan of $175,000. Of 279 decisions, 31 were denials — 11.1%, most often for debt-to-income ratio. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549006L3U88MNTL7K26 |
|---|---|
| Applications received | 296 |
| Mortgages made | 224 |
| Denied | 31 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.37 points |
| FDIC-insured bank | Yes: Stillman BancCorp N.A., 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 128 | 6.625% | $215,000 | 3.3% |
| Refinancing | 32 | 6.500% | $180,000 | 12.8% |
| Cash-out refinancing | 57 | 6.850% | $65,000 | 25.3% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 10.0% |
Where Stillman BancCorp N.A. lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Winnebago County, IL | 118 | 6.625% | 10.3% |
| Ogle County, IL | 60 | 6.670% | 12.2% |
| Boone County, IL | 17 | 6.750% | 12.5% |
| Stephenson County, IL | 4 | Under 10 loans | 0.0% |
| Rock County, WI | 4 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 0.0% |
| DeKalb County, IL | 2 | Under 10 loans | 33.3% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| LaSalle County, IL | 1 | Under 10 loans | 0.0% |
| Lee County, IL | 1 | Under 10 loans | 0.0% |
| McHenry County, IL | 1 | Under 10 loans | 33.3% |
| Whiteside County, IL | 1 | Under 10 loans | 0.0% |
| Gogebic County, MI | 1 | Under 10 loans | 0.0% |
| Bradford County, PA | 1 | Under 10 loans | 0.0% |
| Jefferson County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Dane County, WI | 1 | Under 10 loans | 50.0% |
| Marquette County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Racine County, WI | 1 | Under 10 loans | 0.0% |
| Sawyer County, WI | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 0 | Under 10 loans | 100.0% |
| Lake County, IL | 0 | Under 10 loans | Not published |
| Vilas County, WI | 0 | Under 10 loans | Not published |
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When Stillman BancCorp N.A.’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.