Applications / Mortgage Analytics / Lenders / Illinois / Sauk Valley Bank & Trust Company
Sterling, IL · State non-member bank · FDIC · $748 million assets · 227 loans in 2025
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227
loans originated, 2025
281
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sauk Valley Bank & Trust Company, of Sterling, Illinois, lends to low- and moderate-income borrowers far more than similar banks do.
Low- and moderate-income (LMI) borrowers took 45.1% of its loans, against 27.9% at similar lenders (state non-member banks making between half and twice as many loans), more than at nearly all of them. Its typical loan, $115,000, was smaller than at more than four in five. Its denial rate on first-lien home-purchase applications, 3.7%, was lower than the 5.3% at similar lenders.
Home purchases made up 62.6% of its loans and refinancing 25.1%; all were conventional. It ranks 33 of 572 lenders in non-metro Illinois, where Rocket Mortgage leads, and 60 of 302 in Rockford, where its share held at 0.3%.
Its 227 loans were 2% fewer than in 2024, while similar lenders grew 9% and the whole market 10%. It first reported in 2019. It made 486 loans in 2020 and between 190 and 293 in each year since. A smaller refinancing business, now 25.1% of its loans, could account for much of the gap with 2020. In 2025 it first lent in non-metro Minnesota and Columbus, OH, with very small shares.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Sauk Valley Bank & Trust Company took 281 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.6% · Refinance 25.1% · Other 7.0% · Home improvement 5.3%
Conventional 100.0% · of 227 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Illinois | 205 | 90.3% |
| Wisconsin | 16 | 7.0% |
| Iowa | 4 | 1.8% |
| Minnesota | 1 | 0.4% |
| Ohio | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 21 |
| Rockford | 8 |
| Janesville-Beloit | 7 |
| Davenport-Moline-Rock Island | 5 |
| Elgin | 2 |
| Columbus | 1 |
| Eau Claire | 1 |
| Milwaukee-Waukesha | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B6UWNP01JH6452 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2797162 | 2019–2023 |
Established 9 July 1999. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Sauk Valley Bank & Trust Company's data.
Sauk Valley Bank & Trust Company's data
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