German-American State Bank
German-American State Bank received 128 applications in 2025 and made 102 mortgages, in 18 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $180,000. Of 121 decisions, 16 were denials — 13.2%. 16 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300ZTG888WY6L8M95 |
|---|---|
| Applications received | 128 |
| Mortgages made | 102 |
| Denied | 16 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 63 | Not published | $195,000 | 7.1% |
| Refinancing | 19 | Not published | $175,000 | 23.1% |
| Cash-out refinancing | 13 | Not published | $185,000 | 18.8% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 22.2% |
Where German-American State Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Winnebago County, IL | 41 | Not published | 17.3% |
| Stephenson County, IL | 11 | Not published | 7.7% |
| Boone County, IL | 10 | Not published | 16.7% |
| Ogle County, IL | 10 | Not published | 0.0% |
| Kankakee County, IL | 4 | Under 10 loans | 33.3% |
| Kenosha County, WI | 2 | Under 10 loans | 0.0% |
| Carroll County, IL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Jo Daviess County, IL | 1 | Under 10 loans | 0.0% |
| Knox County, IL | 1 | Under 10 loans | 0.0% |
| Clark County, WI | 1 | Under 10 loans | 0.0% |
| Juneau County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Rock County, WI | 1 | Under 10 loans | 0.0% |
| Walworth County, WI | 1 | Under 10 loans | 0.0% |
| Waushara County, WI | 1 | Under 10 loans | 0.0% |
| Ford County, IL | 0 | Under 10 loans | 100.0% |
| Will County, IL | 0 | Under 10 loans | 100.0% |
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When German-American State Bank’s figures are published for the next year, or restated.
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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.