The Gifford State Bank
The Gifford State Bank received 89 applications in 2025 and made 85 mortgages, in 7 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $95,000. Of 89 decisions, 4 were denials — 4.5%.
| Legal Entity Identifier | 549300W424PDJPNFLY60 |
|---|---|
| Applications received | 89 |
| Mortgages made | 85 |
| Denied | 4 |
| 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| Withdrawn or incomplete | 0 |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 | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 33 | Not published | $125,000 | 5.7% |
| Refinancing | 27 | Not published | $125,000 | 3.6% |
| Other purposes | 25 | Not published | $45,000 | 3.9% |
Where The Gifford 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 |
|---|---|---|---|
| Champaign County, IL | 43 | Not published | 6.5% |
| Vermilion County, IL | 29 | Not published | 0.0% |
| Ford County, IL | 5 | Under 10 loans | 16.7% |
| Iroquois County, IL | 5 | Under 10 loans | 0.0% |
| De Witt County, IL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Warren County, IN | 1 | Under 10 loans | 0.0% |
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When The Gifford 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.