Banterra Bank
Banterra Bank received 418 applications in 2025 and made 213 mortgages, in 64 counties across 12 states. The median rate its borrowers got was 6.750% on a median loan of $195,000. Of 322 decisions, 52 were denials — 16.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300NGCDNC9174EF79 |
|---|---|
| Applications received | 418 |
| Mortgages made | 213 |
| Denied | 52 |
| Approved, not taken up | 57 |
| Withdrawn or incomplete | 96 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.134 points |
| FDIC-insured bank | Yes: Banterra Bank, 43 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 163 | 6.750% | $215,000 | 15.3% |
| Refinancing | 23 | 6.750% | $205,000 | 21.2% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 21.4% |
| Other purposes | 19 | 6.875% | $105,000 | 15.4% |
Where Banterra Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Vanderburgh County, IN | 25 | 7.000% | 16.7% |
| Cape Girardeau County, MO | 24 | 6.375% | 10.8% |
| Williamson County, IL | 23 | 6.750% | 23.1% |
| White County, IL | 13 | 6.375% | 13.0% |
| McCracken County, KY | 11 | 6.750% | 15.0% |
| Maricopa County, AZ | 9 | Under 10 loans | 10.0% |
| Franklin County, IL | 8 | Under 10 loans | 30.8% |
| Saline County, IL | 8 | Under 10 loans | 23.1% |
| Salt Lake County, UT | 8 | Under 10 loans | 16.7% |
| Jackson County, IL | 7 | Under 10 loans | 11.1% |
| Warrick County, IN | 7 | Under 10 loans | 0.0% |
| Washington County, UT | 6 | Under 10 loans | 0.0% |
| Davis County, UT | 5 | Under 10 loans | 25.0% |
| Massac County, IL | 4 | Under 10 loans | 0.0% |
| Mississippi County, MO | 4 | Under 10 loans | 0.0% |
| Gallatin County, IL | 3 | Under 10 loans | 0.0% |
| Johnson County, IL | 3 | Under 10 loans | 25.0% |
| Utah County, UT | 3 | Under 10 loans | 20.0% |
| Coconino County, AZ | 2 | Under 10 loans | 0.0% |
| Pima County, AZ | 2 | Under 10 loans | 0.0% |
| Hardin County, IL | 2 | Under 10 loans | 0.0% |
| Perry County, IL | 2 | Under 10 loans | 40.0% |
| Pulaski County, IL | 2 | Under 10 loans | 0.0% |
| Warren County, KY | 2 | Under 10 loans | 0.0% |
| Weber County, UT | 2 | Under 10 loans | 0.0% |
| King County, WA | 2 | Under 10 loans | 0.0% |
| Cochise County, AZ | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Randolph County, AR | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Clinton County, IL | 1 | Under 10 loans | 0.0% |
| Jefferson County, IL | 1 | Under 10 loans | 50.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Monroe County, IL | 1 | Under 10 loans | 0.0% |
| Pope County, IL | 1 | Under 10 loans | 66.7% |
| Union County, IL | 1 | Under 10 loans | 33.3% |
| Posey County, IN | 1 | Under 10 loans | 50.0% |
| Daviess County, KY | 1 | Under 10 loans | 0.0% |
| Fulton County, KY | 1 | Under 10 loans | 0.0% |
| Graves County, KY | 1 | Under 10 loans | 0.0% |
| Hardin County, KY | 1 | Under 10 loans | 0.0% |
| Livingston County, KY | 1 | Under 10 loans | 0.0% |
| Marshall County, KY | 1 | Under 10 loans | 50.0% |
| Simpson County, KY | 1 | Under 10 loans | 0.0% |
| Scott County, MO | 1 | Under 10 loans | 0.0% |
| Warren County, MO | 1 | Under 10 loans | 0.0% |
| Licking County, OH | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 50.0% |
| Perry County, TN | 1 | Under 10 loans | 0.0% |
| Wilson County, TN | 1 | Under 10 loans | 0.0% |
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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.