Sauk Valley Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Sauk Valley Bank & Trust Company of Sterling, IL reported 281 mortgage applications totaling $47.7 million, up 13% from 2024. The average application was for $169,875, and applicants reported an average income of $90,829. 81% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Chicago-Naperville, IL (23), Rockford, IL (8) and Janesville-Beloit, WI (7) (applications in parentheses).
| Mortgage Company & Address | Sauk Valley Bank & Trust Company 3319 E Lincolnway Sterling, IL 61081 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 281 |
| Total Mortgage Loan Application Amount | $47,735,000 |
| Average Mortgage Loan Application Amount | $169,875 |
| Highest Mortgage Loan Application Amount | $2,655,000 |
| Average Applicant Income | $90,829 |
| Highest Applicant Income | $346,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sauk Valley Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 231 | $ 31,455,000 | $ 136,168 | $ 86,030 |
| Chicago-Naperville, IL | 23 | $ 9,125,000 | $ 396,739 | $ 119,000 |
| Rockford, IL | 8 | $ 3,720,000 | $ 465,000 | $ 158,000 |
| Janesville-Beloit, WI | 7 | $ 1,105,000 | $ 157,857 | $ 153,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 690,000 | $ 115,000 | $ 117,000 |
| Elgin, IL | 2 | $ 280,000 | $ 140,000 | $ 170,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 870,000 | $ 435,000 | $ 153,000 |
| Columbus, OH | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Eau Claire, WI | 1 | $ 285,000 | $ 285,000 | $ 182,000 |
Mortgage Loan Application Detail Totals for Sauk Valley Bank & Trust Company in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 165 | $29,945,000 | $181,000 | $1,245,000 | $96,000 | $346,000 |
| Refinancing | 65 | $13,715,000 | $211,000 | $2,655,000 | $84,000 | $246,000 |
| Other Purpose | 21 | $1,215,000 | $57,000 | $305,000 | $88,000 | $235,000 |
| Home Improvement | 19 | $945,000 | $49,000 | $115,000 | $81,000 | $309,000 |
| Cash-out Refinancing | 11 | $1,915,000 | $174,000 | $395,000 | $76,000 | $163,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 197 | $28,355,000 | $143,000 | $545,000 | $96,000 | $346,000 |
| Not applicable | 48 | $15,070,000 | $313,000 | $2,655,000 | $0 | $0 |
| Hispanic | 29 | $3,335,000 | $115,000 | $455,000 | $57,000 | $120,000 |
| Asian | 3 | $675,000 | $225,000 | $385,000 | $175,000 | $341,000 |
| Black or African American | 3 | $225,000 | $75,000 | $165,000 | $52,000 | $81,000 |
| Not Provided | 1 | $75,000 | $75,000 | $75,000 | $35,000 | $35,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 275 | $46,555,000 | $169,000 | $2,655,000 | $92,000 | $346,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,180,000 | $196,000 | $325,000 | $59,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 227 | $40,265,000 | $177,000 | $2,655,000 | $98,000 | $346,000 |
| Application Withdrawn By Applicant | 26 | $4,580,000 | $176,000 | $435,000 | $85,000 | $190,000 |
| Application Denied By Financial Institution | 22 | $2,300,000 | $104,000 | $395,000 | $54,000 | $192,000 |
| File Closed For Incompleteness | 4 | $280,000 | $70,000 | $155,000 | $77,000 | $108,000 |
| Application Approved But Not Accepted | 2 | $310,000 | $155,000 | $165,000 | $71,000 | $80,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 281 | $47,735,000 | $169,000 | $2,655,000 | $91,000 | $346,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sauk Valley Bank & Trust Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Sauk Valley Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
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