LEI 2549005HG8EMM4748S60 · Bartelso, IL
Germantown Trust & Savings Bank
Originated-loan volume lands in the lower fleet tercile (59 funded) - a thin book relative to the 60 applications disclosed.
Originated-volume tercile vs fleet
Germantown Trust & Savings Bank funded 59 mortgages, lower fleet tercile (below ~78 originations), ranking #3,632 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (60 applications).
- n/a
- Below 1,000-app share board
- 98.3%
- Origination share
- 59
- Originated
- 1.7%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
60reported applications
Where Germantown Trust & Savings Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
59 26th percentile higher than 26% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Germantown Trust & Savings…
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Germantown Trust & Savings…
Lender-reported HMDA denial-reason counts (top reasons shown).
Thin originated book. Germantown Trust & Savings Bank funded 59 mortgages, below the fleet lower tercile (~78) - so rates swing on small counts; read denial and purpose shares with that denominator in mind. Most-cited denial codes: Credit history, Collateral. Program weight concentrates in Conventional (60 applications).
How to read Germantown Trust & Savings Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Germantown Trust & Savings…
Germantown Trust & Savings Bank filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 60 | 59 | 1 | $225,667 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Germantown Trust & Savings Bank (LEI: 2549005HG8EMM4748S60) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 42 | 41 | $264,524 |
| Other | 8 | 8 | $50,000 |
| Refinancing | 7 | 7 | $272,143 |
| Home Improvement | 3 | 3 | $41,667 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 52 | 98.1% | 1.9% |
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 53 | 98.1% | 1.9% |
Nearby Lenders in IL
Other HMDA-reporting lenders in IL with similar activity. Compare any two side-by-side.
One of 242 other HMDA-reporting lenders in IL, 5 are shown here.
Guaranteed Rate, INC.
CHICAGO, IL
BMO Harris Bank NA
Chicago, IL
Mutual of Omaha Mortgage
Lombard, IL
Guaranteed Rate Affinity, LLC
CHICAGO, IL
The Federal Savings Bank
CHICAGO, IL
Read with Germantown Trust & Savings Bank
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Germantown Trust & Savings Bank (LEI 2549005HG8EMM4748S60).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Germantown Trust & Savings Bank.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Germantown Trust & Savings Bank page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.