Lender in Illinois · HMDA 2025
Waterman State Bank mortgages in Illinois
Waterman State Bank's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Waterman State Bank originated 243 owner-occupied single-family loans in Illinois from 259 completed applications.
Loans in IL
243
of 259 applications
Denial rate
4.1%
Purchase · IL 9.2%
Rate spread
—
Conv. · IL +0.27 pts
Loan amount
$355,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 197 | 183 | 4.1% | — | — | — | $355,000 |
| Refinance | 52 | 50 | 1.9% | — | — | — | $465,000 |
| Cash-out refinance | 10 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology